Top Mortgage Lenders in Lexington-Fayette, KY

Which mortgage lender in the Lexington-Fayette, KY area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Lexington-Fayette, KY area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Lexington-Fayette, KY area in terms of interest rate is Central Bank KY, with an average “Rate Difference” of -0.26%. This means that, comparing similar borrowers, Central Bank KY provided a -0.26% lower interest rate for its customers than other lenders in the area. Central Bank KY has a market share of 6.7%. On the other hand, the most popular lender in the Lexington-Fayette, KY area is Quicken Loans, with a larger market share of 8.9%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.16% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Lexington-Fayette, KY area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Lexington-Fayette, KY is Central Bank KY. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Fifth Third Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Peoples Exchange Bank. The cheapest VA mortgage provider is American Mortgage Service Company. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Lexington-Fayette, KY

Mortgage Type:

Purchase/Refinance:

Lender Name	Rate Difference	Rate Rating	Market Share
Central Bank KY	-0.26%	(5.0)	6.66%
Guardian Savings Bank	-0.22%	(4.5)	8.12%
Peoples Exchange Bank	-0.16%	(4.5)	2.02%
First Community Mortgage	-0.15%	(4.5)	0.48%
Commonwealth Credit Union	-0.12%	(4.0)	1.85%
Kentucky Bank	-0.12%	(4.0)	2.49%
Provident Funding	-0.11%	(4.0)	3.70%
Prosperity Home Mortgage LLC	-0.08%	(4.0)	0.74%
Truist Bank	-0.08%	(4.0)	1.64%
Community Trust Bank	-0.07%	(4.0)	1.33%
American Mortgage Service Company	-0.06%	(4.0)	3.62%
Union Savings Bank	-0.06%	(4.0)	0.36%
UNIFY Financial Credit Union	-0.06%	(4.0)	0.38%
Old National Bank	-0.05%	(3.5)	0.61%
Navy Federal Credit Union	-0.03%	(3.5)	0.70%
Amerisave Mortgage Corporation	-0.02%	(3.5)	0.47%
Union Home Mortgage	-0.02%	(3.5)	0.39%
Bank of America	-0.02%	(3.5)	0.47%
South Central Bank	-0.01%	(3.5)	0.61%
Fifth Third Bank	-0.00%	(3.5)	4.96%
Lakeview Loan Servicing	-0.00%	(3.5)	0.39%
SWBC Mortgage	0.00%	(3.5)	0.36%
WesBanco	0.01%	(3.5)	1.06%
Flagstar Bank	0.01%	(3.5)	1.09%
Home Point Financial Corporation	0.01%	(3.5)	0.57%
US Bank	0.01%	(3.5)	1.86%
Forcht Bank	0.02%	(3.5)	0.36%
JPMorgan Chase Bank	0.02%	(3.5)	4.96%
Hometown Lenders	0.02%	(3.5)	2.49%
Republic Bank Louisville KY	0.03%	(3.5)	0.75%
Commonwealth Bank and Trust Company	0.03%	(3.5)	0.41%
Caliber Home Loans	0.03%	(3.5)	0.56%
USAA	0.03%	(3.5)	1.37%
Wells Fargo Bank	0.04%	(3.5)	1.50%
Crescent Mortgage Company	0.05%	(3.0)	0.49%
Carrington Mortgage Services	0.06%	(3.0)	0.85%
loanDepot	0.06%	(3.0)	1.16%
First Financial Bank	0.06%	(3.0)	0.37%
HomeServices Lending	0.07%	(3.0)	0.41%
Northpointe Bank	0.07%	(3.0)	1.31%
PNC Bank	0.07%	(3.0)	2.27%
Freedom Mortgage Corporation	0.07%	(3.0)	0.64%
Finance of America Mortgage	0.07%	(3.0)	0.42%
Evansville Teachers Federal Credit Union	0.08%	(3.0)	0.53%
Western Ohio Mortgage	0.09%	(3.0)	0.39%
Republic State Mortgage Co	0.11%	(3.0)	1.44%
Supreme Lending	0.11%	(3.0)	0.60%
Stockton Mortgage	0.12%	(3.0)	5.84%
Bank of England AR	0.13%	(3.0)	4.07%
PrimeLending	0.15%	(3.0)	1.24%
Quicken Loans	0.16%	(2.5)	8.88%
Benchmark	0.16%	(2.5)	6.55%
Mr. Cooper	0.17%	(2.5)	1.10%
Fairway Independent Mortgage Corporation	0.17%	(2.5)	2.10%

Lender Name	Rate Difference	Rate Rating	Market Share
Central Bank KY	-0.26%	(5.0)	7.43%
Peoples Exchange Bank	-0.17%	(4.5)	2.55%
Guardian Savings Bank	-0.14%	(4.0)	5.33%
JPMorgan Chase Bank	-0.12%	(4.0)	5.05%
Kentucky Bank	-0.10%	(4.0)	2.08%
Prosperity Home Mortgage LLC	-0.09%	(4.0)	1.14%
Provident Funding	-0.08%	(4.0)	2.19%
Community Trust Bank	-0.08%	(4.0)	1.18%
Truist Bank	-0.08%	(4.0)	1.64%
American Mortgage Service Company	-0.07%	(4.0)	5.62%
Old National Bank	-0.07%	(4.0)	0.61%
Wells Fargo Bank	-0.06%	(4.0)	1.56%
First Community Mortgage	-0.06%	(4.0)	0.19%
Fifth Third Bank	-0.06%	(4.0)	4.21%
PNC Bank	-0.06%	(4.0)	1.87%
Bank of America	-0.04%	(3.5)	0.48%
Navy Federal Credit Union	-0.04%	(3.5)	1.01%
Commonwealth Credit Union	-0.04%	(3.5)	1.03%
WesBanco	-0.04%	(3.5)	1.10%
Union Savings Bank	-0.04%	(3.5)	0.25%
UNIFY Financial Credit Union	-0.04%	(3.5)	0.29%
Freedom Mortgage Corporation	-0.03%	(3.5)	0.42%
Union Home Mortgage	-0.03%	(3.5)	0.50%
US Bank	-0.02%	(3.5)	1.66%
Flagstar Bank	-0.02%	(3.5)	1.26%
South Central Bank	-0.01%	(3.5)	0.74%
Republic Bank Louisville KY	-0.01%	(3.5)	1.01%
SWBC Mortgage	-0.00%	(3.5)	0.57%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.11%
Forcht Bank	0.01%	(3.5)	0.38%
First Financial Bank	0.02%	(3.5)	0.23%
Hometown Lenders	0.02%	(3.5)	3.58%
Home Point Financial Corporation	0.03%	(3.5)	0.53%
Lakeview Loan Servicing	0.03%	(3.5)	0.02%
Commonwealth Bank and Trust Company	0.03%	(3.5)	0.42%
USAA	0.03%	(3.5)	1.85%
Caliber Home Loans	0.04%	(3.5)	0.55%
Crescent Mortgage Company	0.06%	(3.0)	0.53%
HomeServices Lending	0.07%	(3.0)	0.61%
Western Ohio Mortgage	0.07%	(3.0)	0.36%
Evansville Teachers Federal Credit Union	0.08%	(3.0)	0.69%
Northpointe Bank	0.08%	(3.0)	1.62%
Finance of America Mortgage	0.08%	(3.0)	0.61%
Mr. Cooper	0.09%	(3.0)	0.44%
Quicken Loans	0.10%	(3.0)	4.30%
loanDepot	0.10%	(3.0)	1.16%
Carrington Mortgage Services	0.10%	(3.0)	0.32%
Supreme Lending	0.12%	(3.0)	0.82%
Republic State Mortgage Co	0.13%	(3.0)	1.92%
Bank of England AR	0.14%	(3.0)	5.83%
Stockton Mortgage	0.14%	(3.0)	7.52%
PrimeLending	0.15%	(2.5)	1.79%
Benchmark	0.19%	(2.5)	8.05%
Fairway Independent Mortgage Corporation	0.20%	(2.5)	2.82%

Lender Name	Rate Difference	Rate Rating	Market Share
Central Bank KY	-0.27%	(5.0)	5.50%
Guardian Savings Bank	-0.26%	(5.0)	12.36%
First Community Mortgage	-0.18%	(4.5)	0.93%
Commonwealth Credit Union	-0.16%	(4.5)	3.10%
Kentucky Bank	-0.14%	(4.0)	3.13%
Provident Funding	-0.13%	(4.0)	5.99%
Peoples Exchange Bank	-0.12%	(4.0)	1.22%
Union Savings Bank	-0.08%	(4.0)	0.52%
UNIFY Financial Credit Union	-0.08%	(4.0)	0.52%
Truist Bank	-0.07%	(4.0)	1.65%
Community Trust Bank	-0.06%	(4.0)	1.56%
Amerisave Mortgage Corporation	-0.03%	(3.5)	1.01%
American Mortgage Service Company	-0.02%	(3.5)	0.58%
Hometown Lenders	-0.02%	(3.5)	0.84%
Old National Bank	-0.02%	(3.5)	0.61%
Home Point Financial Corporation	-0.01%	(3.5)	0.64%
South Central Bank	-0.01%	(3.5)	0.41%
Navy Federal Credit Union	-0.00%	(3.5)	0.23%
Lakeview Loan Servicing	0.00%	(3.5)	0.96%
Union Home Mortgage	0.00%	(3.5)	0.23%
loanDepot	0.01%	(3.5)	1.16%
Prosperity Home Mortgage LLC	0.01%	(3.5)	0.12%
Caliber Home Loans	0.01%	(3.5)	0.58%
Finance of America Mortgage	0.01%	(3.5)	0.14%
Commonwealth Bank and Trust Company	0.02%	(3.5)	0.41%
Stockton Mortgage	0.02%	(3.5)	3.27%
USAA	0.02%	(3.5)	0.64%
Forcht Bank	0.03%	(3.5)	0.32%
HomeServices Lending	0.03%	(3.5)	0.12%
Bank of America	0.03%	(3.5)	0.46%
Republic State Mortgage Co	0.04%	(3.5)	0.69%
Northpointe Bank	0.04%	(3.5)	0.84%
Supreme Lending	0.04%	(3.5)	0.26%
Carrington Mortgage Services	0.04%	(3.5)	1.65%
SWBC Mortgage	0.05%	(3.5)	0.03%
Crescent Mortgage Company	0.05%	(3.5)	0.43%
Fairway Independent Mortgage Corporation	0.05%	(3.0)	1.01%
Fifth Third Bank	0.06%	(3.0)	6.11%
Bank of England AR	0.06%	(3.0)	1.39%
US Bank	0.06%	(3.0)	2.17%
Flagstar Bank	0.07%	(3.0)	0.84%
Evansville Teachers Federal Credit Union	0.07%	(3.0)	0.29%
Benchmark	0.07%	(3.0)	4.26%
WesBanco	0.09%	(3.0)	0.98%
First Financial Bank	0.10%	(3.0)	0.58%
Western Ohio Mortgage	0.11%	(3.0)	0.43%
PrimeLending	0.12%	(3.0)	0.41%
Freedom Mortgage Corporation	0.14%	(3.0)	0.98%
Republic Bank Louisville KY	0.15%	(2.5)	0.35%
Quicken Loans	0.19%	(2.5)	15.84%
Mr. Cooper	0.20%	(2.5)	2.11%
PNC Bank	0.20%	(2.5)	2.90%
Wells Fargo Bank	0.22%	(2.5)	1.42%
JPMorgan Chase Bank	0.24%	(2.5)	4.83%

Lender Name	Rate Difference	Rate Rating	Market Share
Central Bank KY	-0.27%	(5.0)	7.70%
Guardian Savings Bank	-0.21%	(4.5)	10.24%
First Community Mortgage	-0.15%	(4.0)	0.62%
Kentucky Bank	-0.13%	(4.0)	2.68%
Commonwealth Credit Union	-0.12%	(4.0)	2.42%
Peoples Exchange Bank	-0.12%	(4.0)	1.95%
Provident Funding	-0.11%	(4.0)	4.82%
Community Trust Bank	-0.08%	(4.0)	1.48%
Truist Bank	-0.08%	(4.0)	1.94%
Prosperity Home Mortgage LLC	-0.08%	(4.0)	0.82%
Union Savings Bank	-0.06%	(4.0)	0.43%
Old National Bank	-0.06%	(4.0)	0.62%
UNIFY Financial Credit Union	-0.05%	(4.0)	0.50%
Amerisave Mortgage Corporation	-0.04%	(3.5)	0.44%
Union Home Mortgage	-0.03%	(3.5)	0.30%
Bank of America	-0.01%	(3.5)	0.50%
South Central Bank	0.00%	(3.5)	0.50%
Fifth Third Bank	0.01%	(3.5)	5.58%
Flagstar Bank	0.02%	(3.5)	1.11%
WesBanco	0.02%	(3.5)	1.19%
US Bank	0.02%	(3.5)	2.10%
Forcht Bank	0.02%	(3.5)	0.40%
JPMorgan Chase Bank	0.02%	(3.5)	6.42%
American Mortgage Service Company	0.03%	(3.5)	3.14%
Republic Bank Louisville KY	0.04%	(3.5)	0.91%
SWBC Mortgage	0.04%	(3.5)	0.05%
Home Point Financial Corporation	0.04%	(3.5)	0.30%
USAA	0.04%	(3.5)	0.88%
Hometown Lenders	0.05%	(3.5)	2.29%
Commonwealth Bank and Trust Company	0.05%	(3.5)	0.38%
Wells Fargo Bank	0.06%	(3.0)	1.77%
Carrington Mortgage Services	0.06%	(3.0)	0.23%
loanDepot	0.07%	(3.0)	0.73%
Crescent Mortgage Company	0.07%	(3.0)	0.61%
Lakeview Loan Servicing	0.07%	(3.0)	0.11%
Caliber Home Loans	0.07%	(3.0)	0.29%
Stockton Mortgage	0.08%	(3.0)	4.18%
Evansville Teachers Federal Credit Union	0.09%	(3.0)	0.47%
HomeServices Lending	0.09%	(3.0)	0.41%
PNC Bank	0.09%	(3.0)	2.59%
First Financial Bank	0.10%	(3.0)	0.32%
Finance of America Mortgage	0.10%	(3.0)	0.38%
Navy Federal Credit Union	0.10%	(3.0)	0.35%
Northpointe Bank	0.10%	(3.0)	1.22%
Freedom Mortgage Corporation	0.11%	(3.0)	0.17%
Western Ohio Mortgage	0.12%	(3.0)	0.32%
Republic State Mortgage Co	0.12%	(3.0)	1.23%
Supreme Lending	0.13%	(3.0)	0.56%
Bank of England AR	0.14%	(3.0)	4.15%
PrimeLending	0.15%	(2.5)	0.99%
Benchmark	0.16%	(2.5)	6.37%
Fairway Independent Mortgage Corporation	0.21%	(2.5)	1.86%
Mr. Cooper	0.25%	(2.5)	0.50%
Quicken Loans	0.26%	(2.0)	7.47%

Lender Name	Rate Difference	Rate Rating	Market Share
Central Bank KY	-0.27%	(5.0)	8.75%
Guardian Savings Bank	-0.14%	(4.0)	6.71%
Peoples Exchange Bank	-0.12%	(4.0)	2.29%
JPMorgan Chase Bank	-0.12%	(4.0)	6.89%
Kentucky Bank	-0.10%	(4.0)	2.18%
Community Trust Bank	-0.09%	(4.0)	1.38%
Prosperity Home Mortgage LLC	-0.09%	(4.0)	1.33%
Old National Bank	-0.08%	(4.0)	0.64%
Truist Bank	-0.08%	(4.0)	2.02%
Provident Funding	-0.08%	(4.0)	3.03%
First Community Mortgage	-0.06%	(4.0)	0.24%
PNC Bank	-0.06%	(4.0)	2.02%
Wells Fargo Bank	-0.06%	(4.0)	1.86%
Fifth Third Bank	-0.06%	(4.0)	4.82%
Bank of America	-0.05%	(3.5)	0.51%
Union Home Mortgage	-0.04%	(3.5)	0.40%
WesBanco	-0.04%	(3.5)	1.22%
Union Savings Bank	-0.03%	(3.5)	0.27%
Commonwealth Credit Union	-0.03%	(3.5)	1.38%
US Bank	-0.03%	(3.5)	1.89%
UNIFY Financial Credit Union	-0.03%	(3.5)	0.40%
Flagstar Bank	-0.02%	(3.5)	1.30%
Amerisave Mortgage Corporation	0.00%	(3.5)	0.11%
Republic Bank Louisville KY	0.00%	(3.5)	1.30%
South Central Bank	0.01%	(3.5)	0.56%
Forcht Bank	0.02%	(3.5)	0.45%
SWBC Mortgage	0.03%	(3.5)	0.05%
Home Point Financial Corporation	0.03%	(3.5)	0.37%
First Financial Bank	0.03%	(3.5)	0.16%
Freedom Mortgage Corporation	0.03%	(3.5)	0.11%
American Mortgage Service Company	0.04%	(3.5)	5.11%
Lakeview Loan Servicing	0.04%	(3.5)	0.03%
USAA	0.05%	(3.5)	1.17%
Hometown Lenders	0.06%	(3.0)	3.38%
Carrington Mortgage Services	0.06%	(3.0)	0.08%
Commonwealth Bank and Trust Company	0.07%	(3.0)	0.35%
Mr. Cooper	0.07%	(3.0)	0.13%
Crescent Mortgage Company	0.07%	(3.0)	0.67%
Evansville Teachers Federal Credit Union	0.09%	(3.0)	0.59%
Caliber Home Loans	0.09%	(3.0)	0.35%
loanDepot	0.09%	(3.0)	0.69%
HomeServices Lending	0.10%	(3.0)	0.61%
Western Ohio Mortgage	0.10%	(3.0)	0.21%
Stockton Mortgage	0.10%	(3.0)	5.38%
Finance of America Mortgage	0.11%	(3.0)	0.59%
Navy Federal Credit Union	0.12%	(3.0)	0.51%
Northpointe Bank	0.12%	(3.0)	1.52%
Supreme Lending	0.15%	(2.5)	0.75%
Republic State Mortgage Co	0.15%	(2.5)	1.57%
Bank of England AR	0.15%	(2.5)	6.04%
PrimeLending	0.16%	(2.5)	1.36%
Quicken Loans	0.17%	(2.5)	3.99%
Benchmark	0.19%	(2.5)	7.74%
Fairway Independent Mortgage Corporation	0.24%	(2.5)	2.55%

Lender Name	Rate Difference	Rate Rating	Market Share
Central Bank KY	-0.28%	(5.0)	6.28%
Guardian Savings Bank	-0.26%	(5.0)	14.98%
First Community Mortgage	-0.17%	(4.5)	1.14%
Kentucky Bank	-0.16%	(4.5)	3.35%
Commonwealth Credit Union	-0.15%	(4.5)	3.82%
Provident Funding	-0.12%	(4.0)	7.20%
Peoples Exchange Bank	-0.11%	(4.0)	1.50%
Truist Bank	-0.08%	(4.0)	1.82%
Community Trust Bank	-0.07%	(4.0)	1.60%
Union Savings Bank	-0.07%	(4.0)	0.64%
UNIFY Financial Credit Union	-0.07%	(4.0)	0.64%
Amerisave Mortgage Corporation	-0.05%	(3.5)	0.89%
American Mortgage Service Company	-0.03%	(3.5)	0.50%
Hometown Lenders	-0.02%	(3.5)	0.82%
Old National Bank	-0.02%	(3.5)	0.61%
South Central Bank	-0.00%	(3.5)	0.43%
Union Home Mortgage	0.00%	(3.5)	0.18%
Prosperity Home Mortgage LLC	0.02%	(3.5)	0.14%
Commonwealth Bank and Trust Company	0.02%	(3.5)	0.43%
Stockton Mortgage	0.02%	(3.5)	2.57%
Finance of America Mortgage	0.03%	(3.5)	0.11%
Navy Federal Credit Union	0.03%	(3.5)	0.14%
USAA	0.03%	(3.5)	0.50%
Caliber Home Loans	0.03%	(3.5)	0.21%
HomeServices Lending	0.03%	(3.5)	0.14%
Forcht Bank	0.03%	(3.5)	0.32%
loanDepot	0.04%	(3.5)	0.78%
Bank of America	0.04%	(3.5)	0.50%
Republic State Mortgage Co	0.04%	(3.5)	0.78%
Home Point Financial Corporation	0.05%	(3.5)	0.21%
Supreme Lending	0.05%	(3.0)	0.32%
SWBC Mortgage	0.06%	(3.0)	0.04%
Crescent Mortgage Company	0.06%	(3.0)	0.53%
Northpointe Bank	0.06%	(3.0)	0.82%
Fairway Independent Mortgage Corporation	0.06%	(3.0)	0.93%
Carrington Mortgage Services	0.06%	(3.0)	0.43%
Bank of England AR	0.07%	(3.0)	1.60%
Fifth Third Bank	0.07%	(3.0)	6.60%
Benchmark	0.07%	(3.0)	4.53%
US Bank	0.07%	(3.0)	2.39%
Lakeview Loan Servicing	0.08%	(3.0)	0.21%
Flagstar Bank	0.08%	(3.0)	0.86%
Evansville Teachers Federal Credit Union	0.08%	(3.0)	0.32%
WesBanco	0.10%	(3.0)	1.14%
First Financial Bank	0.12%	(3.0)	0.53%
PrimeLending	0.13%	(3.0)	0.50%
Western Ohio Mortgage	0.13%	(3.0)	0.46%
Freedom Mortgage Corporation	0.16%	(2.5)	0.25%
Republic Bank Louisville KY	0.17%	(2.5)	0.39%
PNC Bank	0.21%	(2.5)	3.35%
Wells Fargo Bank	0.24%	(2.5)	1.64%
JPMorgan Chase Bank	0.25%	(2.0)	5.78%
Mr. Cooper	0.28%	(2.0)	1.00%
Quicken Loans	0.30%	(2.0)	12.13%

Lender Name	Rate Difference	Rate Rating	Market Share
Peoples Exchange Bank	-0.33%	(5.0)	2.85%
American Mortgage Service Company	-0.29%	(5.0)	5.77%
Central Bank KY	-0.26%	(5.0)	2.55%
Guardian Savings Bank	-0.14%	(4.0)	1.68%
Kentucky Bank	-0.13%	(4.0)	1.90%
PNC Bank	-0.09%	(4.0)	0.95%
Prosperity Home Mortgage LLC	-0.08%	(4.0)	0.51%
Fifth Third Bank	-0.07%	(4.0)	2.19%
Hometown Lenders	-0.07%	(4.0)	4.31%
Quicken Loans	-0.06%	(4.0)	14.96%
Provident Funding	-0.06%	(4.0)	0.44%
South Central Bank	-0.06%	(4.0)	1.24%
Union Savings Bank	-0.05%	(4.0)	0.15%
Flagstar Bank	-0.05%	(3.5)	0.66%
WesBanco	-0.05%	(3.5)	0.58%
SWBC Mortgage	-0.05%	(3.5)	1.61%
Union Home Mortgage	-0.04%	(3.5)	0.58%
US Bank	-0.04%	(3.5)	0.29%
Northpointe Bank	-0.04%	(3.5)	1.68%
Crescent Mortgage Company	-0.04%	(3.5)	0.22%
Home Point Financial Corporation	-0.03%	(3.5)	1.90%
Commonwealth Bank and Trust Company	-0.03%	(3.5)	0.73%
First Financial Bank	-0.03%	(3.5)	0.22%
Navy Federal Credit Union	-0.03%	(3.5)	0.07%
Old National Bank	-0.03%	(3.5)	0.15%
Republic Bank Louisville KY	-0.02%	(3.5)	0.29%
Caliber Home Loans	-0.01%	(3.5)	1.39%
Forcht Bank	-0.01%	(3.5)	0.07%
First Community Mortgage	-0.00%	(3.5)	0.07%
Lakeview Loan Servicing	0.00%	(3.5)	0.80%
Finance of America Mortgage	0.01%	(3.5)	0.73%
Wells Fargo Bank	0.01%	(3.5)	0.07%
HomeServices Lending	0.01%	(3.5)	0.44%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.58%
Freedom Mortgage Corporation	0.02%	(3.5)	1.75%
Western Ohio Mortgage	0.03%	(3.5)	0.66%
Carrington Mortgage Services	0.03%	(3.5)	3.28%
Supreme Lending	0.07%	(3.0)	1.02%
Evansville Teachers Federal Credit Union	0.07%	(3.0)	0.80%
Republic State Mortgage Co	0.08%	(3.0)	2.99%
loanDepot	0.09%	(3.0)	2.26%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	3.21%
Mr. Cooper	0.10%	(3.0)	3.28%
Bank of England AR	0.11%	(3.0)	4.38%
PrimeLending	0.15%	(2.5)	2.41%
Stockton Mortgage	0.16%	(2.5)	13.80%
Benchmark	0.19%	(2.5)	7.52%

Lender Name	Rate Difference	Rate Rating	Market Share
Peoples Exchange Bank	-0.33%	(5.0)	3.82%
American Mortgage Service Company	-0.31%	(5.0)	7.25%
Central Bank KY	-0.27%	(5.0)	3.33%
Guardian Savings Bank	-0.16%	(4.5)	1.96%
Kentucky Bank	-0.15%	(4.0)	2.06%
PNC Bank	-0.10%	(4.0)	1.18%
Freedom Mortgage Corporation	-0.09%	(4.0)	1.08%
Quicken Loans	-0.09%	(4.0)	5.98%
Prosperity Home Mortgage LLC	-0.08%	(4.0)	0.69%
Fifth Third Bank	-0.08%	(4.0)	2.25%
Hometown Lenders	-0.07%	(4.0)	5.39%
South Central Bank	-0.06%	(4.0)	1.67%
Union Savings Bank	-0.06%	(4.0)	0.20%
Flagstar Bank	-0.06%	(4.0)	0.78%
Union Home Mortgage	-0.05%	(4.0)	0.59%
WesBanco	-0.05%	(4.0)	0.78%
SWBC Mortgage	-0.05%	(4.0)	2.16%
US Bank	-0.04%	(3.5)	0.39%
Northpointe Bank	-0.04%	(3.5)	1.96%
Commonwealth Bank and Trust Company	-0.04%	(3.5)	0.88%
Crescent Mortgage Company	-0.04%	(3.5)	0.29%
First Financial Bank	-0.03%	(3.5)	0.29%
Navy Federal Credit Union	-0.03%	(3.5)	0.10%
Old National Bank	-0.03%	(3.5)	0.20%
Provident Funding	-0.03%	(3.5)	0.10%
Republic Bank Louisville KY	-0.02%	(3.5)	0.39%
Forcht Bank	-0.02%	(3.5)	0.10%
Caliber Home Loans	-0.01%	(3.5)	0.88%
First Community Mortgage	-0.00%	(3.5)	0.10%
Home Point Financial Corporation	0.00%	(3.5)	1.18%
Wells Fargo Bank	0.00%	(3.5)	0.10%
HomeServices Lending	0.01%	(3.5)	0.59%
Amerisave Mortgage Corporation	0.01%	(3.5)	0.20%
Finance of America Mortgage	0.01%	(3.5)	0.78%
Western Ohio Mortgage	0.03%	(3.5)	0.78%
Supreme Lending	0.06%	(3.0)	1.37%
Evansville Teachers Federal Credit Union	0.07%	(3.0)	1.08%
Mr. Cooper	0.07%	(3.0)	1.18%
Republic State Mortgage Co	0.08%	(3.0)	3.92%
loanDepot	0.10%	(3.0)	2.55%
Bank of England AR	0.10%	(3.0)	5.78%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	3.92%
Carrington Mortgage Services	0.11%	(3.0)	1.08%
PrimeLending	0.15%	(3.0)	3.24%
Stockton Mortgage	0.17%	(2.5)	16.37%
Benchmark	0.19%	(2.5)	9.02%

Lender Name	Rate Difference	Rate Rating	Market Share
Kentucky Bank	-0.08%	(4.0)	1.43%
Home Point Financial Corporation	-0.06%	(4.0)	4.00%
Provident Funding	-0.06%	(4.0)	1.43%
Fifth Third Bank	-0.05%	(3.5)	2.00%
Quicken Loans	-0.04%	(3.5)	41.14%
Northpointe Bank	-0.02%	(3.5)	0.86%
Finance of America Mortgage	-0.02%	(3.5)	0.57%
American Mortgage Service Company	-0.02%	(3.5)	1.43%
Hometown Lenders	-0.02%	(3.5)	1.14%
Union Home Mortgage	-0.02%	(3.5)	0.57%
Guardian Savings Bank	-0.01%	(3.5)	0.86%
Caliber Home Loans	-0.01%	(3.5)	2.86%
PNC Bank	-0.01%	(3.5)	0.29%
Central Bank KY	-0.01%	(3.5)	0.29%
Flagstar Bank	-0.01%	(3.5)	0.29%
Western Ohio Mortgage	-0.00%	(3.5)	0.29%
Fairway Independent Mortgage Corporation	-0.00%	(3.5)	1.14%
Commonwealth Bank and Trust Company	-0.00%	(3.5)	0.29%
Stockton Mortgage	0.01%	(3.5)	6.29%
Republic State Mortgage Co	0.01%	(3.5)	0.29%
Bank of England AR	0.01%	(3.5)	0.29%
Lakeview Loan Servicing	0.02%	(3.5)	3.14%
Carrington Mortgage Services	0.02%	(3.5)	9.71%
Amerisave Mortgage Corporation	0.03%	(3.5)	1.71%
loanDepot	0.03%	(3.5)	1.43%
Freedom Mortgage Corporation	0.12%	(3.0)	3.71%
Mr. Cooper	0.12%	(3.0)	9.43%
Benchmark	0.13%	(3.0)	3.14%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.02%	(3.5)	16.87%
Old National Bank	-0.02%	(3.5)	4.82%
Truist Bank	-0.01%	(3.5)	8.43%
Bank of America	-0.01%	(3.5)	4.82%
Central Bank KY	0.00%	(3.5)	12.65%
Quicken Loans	0.00%	(3.5)	1.81%
South Central Bank	0.00%	(3.5)	0.60%
Republic Bank Louisville KY	0.00%	(3.5)	0.60%
First Financial Bank	0.00%	(3.5)	1.20%
US Bank	0.00%	(3.5)	7.23%
Community Trust Bank	0.00%	(3.5)	11.45%
Forcht Bank	0.01%	(3.5)	1.81%
Wells Fargo Bank	0.01%	(3.5)	1.20%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	0.60%
Guardian Savings Bank	0.01%	(3.5)	0.60%
Bank of England AR	0.01%	(3.5)	0.60%
PNC Bank	0.01%	(3.5)	4.82%
JPMorgan Chase Bank	0.02%	(3.5)	6.63%
Kentucky Bank	0.02%	(3.5)	5.42%
Benchmark	0.03%	(3.5)	7.83%

Lender Name	Rate Difference	Rate Rating	Market Share
Truist Bank	-0.02%	(3.5)	8.79%
Old National Bank	-0.02%	(3.5)	5.49%
Bank of America	-0.01%	(3.5)	6.59%
Central Bank KY	-0.01%	(3.5)	16.48%
Fifth Third Bank	-0.01%	(3.5)	13.19%
Kentucky Bank	-0.00%	(3.5)	2.20%
Quicken Loans	0.00%	(3.5)	1.10%
First Financial Bank	0.00%	(3.5)	2.20%
Forcht Bank	0.00%	(3.5)	2.20%
Wells Fargo Bank	0.01%	(3.5)	1.10%
Fairway Independent Mortgage Corporation	0.01%	(3.5)	1.10%
Bank of England AR	0.01%	(3.5)	1.10%
PNC Bank	0.01%	(3.5)	5.49%
Community Trust Bank	0.01%	(3.5)	10.99%
US Bank	0.01%	(3.5)	6.59%
JPMorgan Chase Bank	0.02%	(3.5)	6.59%
Benchmark	0.02%	(3.5)	8.79%

Lender Name	Rate Difference	Rate Rating	Market Share
Fifth Third Bank	-0.03%	(3.5)	21.33%
Bank of America	-0.01%	(3.5)	2.67%
Old National Bank	-0.01%	(3.5)	4.00%
Truist Bank	-0.01%	(3.5)	8.00%
US Bank	-0.01%	(3.5)	8.00%
Community Trust Bank	-0.00%	(3.5)	12.00%
Quicken Loans	0.00%	(3.5)	2.67%
South Central Bank	0.00%	(3.5)	1.33%
Republic Bank Louisville KY	0.00%	(3.5)	1.33%
Forcht Bank	0.01%	(3.5)	1.33%
Wells Fargo Bank	0.01%	(3.5)	1.33%
JPMorgan Chase Bank	0.01%	(3.5)	6.67%
Guardian Savings Bank	0.01%	(3.5)	1.33%
PNC Bank	0.01%	(3.5)	4.00%
Central Bank KY	0.02%	(3.5)	8.00%
Kentucky Bank	0.02%	(3.5)	9.33%
Benchmark	0.05%	(3.5)	6.67%

Lender Name	Rate Difference	Rate Rating	Market Share
American Mortgage Service Company	-0.19%	(4.5)	4.93%
Navy Federal Credit Union	-0.14%	(4.0)	6.09%
Central Bank KY	-0.12%	(4.0)	3.12%
Lakeview Loan Servicing	-0.08%	(4.0)	2.63%
Peoples Exchange Bank	-0.07%	(4.0)	1.48%
Guardian Savings Bank	-0.06%	(4.0)	1.81%
Wells Fargo Bank	-0.05%	(3.5)	1.97%
loanDepot	-0.04%	(3.5)	3.62%
WesBanco	-0.03%	(3.5)	0.99%
Prosperity Home Mortgage LLC	-0.03%	(3.5)	0.49%
Truist Bank	-0.03%	(3.5)	0.33%
Caliber Home Loans	-0.03%	(3.5)	1.81%
Home Point Financial Corporation	-0.02%	(3.5)	0.66%
Kentucky Bank	-0.02%	(3.5)	0.99%
Republic State Mortgage Co	-0.02%	(3.5)	0.49%
Union Savings Bank	-0.01%	(3.5)	0.16%
HomeServices Lending	-0.01%	(3.5)	0.49%
South Central Bank	-0.01%	(3.5)	0.33%
Forcht Bank	-0.01%	(3.5)	0.16%
Commonwealth Credit Union	-0.01%	(3.5)	0.33%
Evansville Teachers Federal Credit Union	-0.01%	(3.5)	0.66%
Fifth Third Bank	-0.01%	(3.5)	1.32%
Commonwealth Bank and Trust Company	-0.01%	(3.5)	0.16%
Hometown Lenders	-0.00%	(3.5)	1.32%
Old National Bank	-0.00%	(3.5)	0.33%
Union Home Mortgage	-0.00%	(3.5)	0.99%
Amerisave Mortgage Corporation	-0.00%	(3.5)	0.66%
First Financial Bank	0.00%	(3.5)	0.99%
USAA	0.01%	(3.5)	10.03%
Supreme Lending	0.01%	(3.5)	0.16%
Carrington Mortgage Services	0.01%	(3.5)	2.30%
Flagstar Bank	0.01%	(3.5)	2.14%
PNC Bank	0.01%	(3.5)	1.15%
Northpointe Bank	0.02%	(3.5)	1.81%
US Bank	0.02%	(3.5)	1.32%
Finance of America Mortgage	0.02%	(3.5)	0.33%
Western Ohio Mortgage	0.03%	(3.5)	0.66%
SWBC Mortgage	0.03%	(3.5)	0.99%
Stockton Mortgage	0.05%	(3.5)	7.40%
Quicken Loans	0.05%	(3.0)	12.34%
Bank of England AR	0.06%	(3.0)	3.45%
PrimeLending	0.06%	(3.0)	1.64%
Freedom Mortgage Corporation	0.06%	(3.0)	3.45%
Fairway Independent Mortgage Corporation	0.08%	(3.0)	2.63%
Mr. Cooper	0.10%	(3.0)	2.96%
Benchmark	0.12%	(3.0)	5.92%

Lender Name	Rate Difference	Rate Rating	Market Share
American Mortgage Service Company	-0.19%	(4.5)	7.57%
Navy Federal Credit Union	-0.14%	(4.0)	8.62%
Central Bank KY	-0.11%	(4.0)	3.13%
Guardian Savings Bank	-0.07%	(4.0)	2.09%
Peoples Exchange Bank	-0.07%	(4.0)	2.35%
Wells Fargo Bank	-0.06%	(4.0)	2.61%
WesBanco	-0.04%	(3.5)	1.04%
Freedom Mortgage Corporation	-0.02%	(3.5)	1.83%
Prosperity Home Mortgage LLC	-0.02%	(3.5)	0.78%
Caliber Home Loans	-0.02%	(3.5)	1.83%
Truist Bank	-0.02%	(3.5)	0.52%
Kentucky Bank	-0.02%	(3.5)	1.04%
Home Point Financial Corporation	-0.01%	(3.5)	0.52%
Republic State Mortgage Co	-0.01%	(3.5)	0.52%
Union Savings Bank	-0.01%	(3.5)	0.26%
HomeServices Lending	-0.01%	(3.5)	0.78%
Commonwealth Credit Union	-0.01%	(3.5)	0.52%
Evansville Teachers Federal Credit Union	-0.00%	(3.5)	0.78%
South Central Bank	-0.00%	(3.5)	0.26%
Fifth Third Bank	0.00%	(3.5)	1.31%
Union Home Mortgage	0.01%	(3.5)	1.31%
Old National Bank	0.01%	(3.5)	0.26%
Hometown Lenders	0.01%	(3.5)	1.57%
Supreme Lending	0.01%	(3.5)	0.26%
First Financial Bank	0.01%	(3.5)	0.26%
Flagstar Bank	0.02%	(3.5)	2.35%
USAA	0.02%	(3.5)	13.84%
loanDepot	0.03%	(3.5)	2.35%
Carrington Mortgage Services	0.03%	(3.5)	0.78%
Finance of America Mortgage	0.03%	(3.5)	0.52%
PNC Bank	0.03%	(3.5)	1.31%
Northpointe Bank	0.04%	(3.5)	2.09%
SWBC Mortgage	0.04%	(3.5)	1.57%
US Bank	0.04%	(3.5)	1.57%
Western Ohio Mortgage	0.04%	(3.5)	0.78%
Quicken Loans	0.05%	(3.5)	3.66%
Mr. Cooper	0.07%	(3.0)	1.57%
PrimeLending	0.07%	(3.0)	2.61%
Bank of England AR	0.07%	(3.0)	4.96%
Fairway Independent Mortgage Corporation	0.10%	(3.0)	2.87%
Stockton Mortgage	0.10%	(3.0)	6.79%
Benchmark	0.14%	(3.0)	8.36%

Lender Name	Rate Difference	Rate Rating	Market Share
Central Bank KY	-0.14%	(4.0)	3.11%
Lakeview Loan Servicing	-0.09%	(4.0)	7.11%
loanDepot	-0.09%	(4.0)	5.78%
Navy Federal Credit Union	-0.06%	(4.0)	1.78%
Guardian Savings Bank	-0.05%	(4.0)	1.33%
Hometown Lenders	-0.04%	(3.5)	0.89%
Caliber Home Loans	-0.03%	(3.5)	1.78%
Home Point Financial Corporation	-0.03%	(3.5)	0.89%
South Central Bank	-0.03%	(3.5)	0.44%
US Bank	-0.03%	(3.5)	0.89%
Northpointe Bank	-0.03%	(3.5)	1.33%
Stockton Mortgage	-0.03%	(3.5)	8.44%
Union Home Mortgage	-0.03%	(3.5)	0.44%
WesBanco	-0.03%	(3.5)	0.89%
Fifth Third Bank	-0.02%	(3.5)	1.33%
Forcht Bank	-0.02%	(3.5)	0.44%
USAA	-0.02%	(3.5)	3.56%
Republic State Mortgage Co	-0.02%	(3.5)	0.44%
PNC Bank	-0.02%	(3.5)	0.89%
Old National Bank	-0.02%	(3.5)	0.44%
American Mortgage Service Company	-0.02%	(3.5)	0.44%
Kentucky Bank	-0.02%	(3.5)	0.89%
Commonwealth Bank and Trust Company	-0.02%	(3.5)	0.44%
Evansville Teachers Federal Credit Union	-0.01%	(3.5)	0.44%
Western Ohio Mortgage	-0.01%	(3.5)	0.44%
Amerisave Mortgage Corporation	-0.01%	(3.5)	1.78%
First Financial Bank	-0.01%	(3.5)	2.22%
Bank of England AR	-0.01%	(3.5)	0.89%
Carrington Mortgage Services	-0.00%	(3.5)	4.89%
Flagstar Bank	0.00%	(3.5)	1.78%
Benchmark	0.00%	(3.5)	1.78%
Wells Fargo Bank	0.02%	(3.5)	0.89%
Fairway Independent Mortgage Corporation	0.02%	(3.5)	2.22%
Quicken Loans	0.04%	(3.5)	27.11%
Freedom Mortgage Corporation	0.10%	(3.0)	6.22%
Mr. Cooper	0.11%	(3.0)	5.33%

* Data is compiled for the Lexington-Fayette, KY commuting zone area, which comprises of counties of Anderson County, KY, Bourbon County, KY, Fayette County, KY, Franklin County, KY, Harrison County, KY, Jessamine County, KY, Nicholas County, KY, Robertson County, KY, Scott County, KY, and Woodford County, KY. This includes cities/towns/communities of Lexington-Fayette, KY as well as Georgetown, KY, Nicholasville, KY, Frankfort, KY, Versailles, KY, Lawrenceburg, KY, Paris, KY, Cynthiana, KY, Stamping Ground, KY, Carlisle, KY, Midway, KY, North Middletown, KY, Millersburg, KY, Berry, KY, and Sardis, KY. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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