# Best Mortgage Lenders for USDA Loans in Kentucky - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top USDA mortgage lenders in Kentucky across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Kentucky
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** USDA
- **Total Lenders in Market:** 229
- **Total Loan Volume:** 45,654
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Liberty](https://saferate.com/lenders/liberty) | Credit Union | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 2 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [RUOFF MORTGAGE COMPANY, INC.](https://saferate.com/lenders/ruoff-mortgage-company) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [GoPrime Mortgage, Inc.](https://saferate.com/lenders/goprime-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 6 | [SOUTH CENTRAL BANK, INC.](https://saferate.com/lenders/south-central-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 7 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 8 | [GERSHMAN INVESTMENT CORP.](https://saferate.com/lenders/gershman-investment) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 9 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 10 | [VICTORY MORTGAGE, L.L.C.](https://saferate.com/lenders/victory-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 11 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 12 | [Magnolia Bank, Incorporated](https://saferate.com/lenders/magnolia-bank-incorporated) | Bank | Exceptional 🤩 | Sound ☺️ | Strong 😀 |
| 13 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 14 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 15 | [INTERLINC MORTGAGE SERVICES, LLC](https://saferate.com/lenders/interlinc-mortgage-services) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 16 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 17 | [Paramount Residential Mortgage Group, Inc.](https://saferate.com/lenders/paramount-residential-mortgage-group) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 18 | [Renasant Bank](https://saferate.com/lenders/renasant-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 19 | [STOCKTON MORTGAGE CORPORATION](https://saferate.com/lenders/stockton-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 20 | [GENEVA FINANCIAL, LLC](https://saferate.com/lenders/geneva-financial) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 21 | [German American Bank](https://saferate.com/lenders/german-american-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 22 | [Guardian Savings Bank](https://saferate.com/lenders/guardian-savings-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 23 | [Peoples Exchange Bank](https://saferate.com/lenders/peoples-exchange-bank) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 24 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 25 | [LOWER, LLC](https://saferate.com/lenders/lower) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/kentucky/best-mortgage-lenders/usda-loans)