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 NameRate DifferenceRate RatingMarket 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 Mortgage0.00%(3.5)0.36%
WesBanco0.01%(3.5)1.06%
Flagstar Bank0.01%(3.5)1.09%
Home Point Financial Corporation0.01%(3.5)0.57%
US Bank0.01%(3.5)1.86%
Forcht Bank0.02%(3.5)0.36%
JPMorgan Chase Bank0.02%(3.5)4.96%
Hometown Lenders0.02%(3.5)2.49%
Republic Bank Louisville KY0.03%(3.5)0.75%
Commonwealth Bank and Trust Company0.03%(3.5)0.41%
Caliber Home Loans0.03%(3.5)0.56%
USAA0.03%(3.5)1.37%
Wells Fargo Bank0.04%(3.5)1.50%
Crescent Mortgage Company0.05%(3.0)0.49%
Carrington Mortgage Services0.06%(3.0)0.85%
loanDepot0.06%(3.0)1.16%
First Financial Bank0.06%(3.0)0.37%
HomeServices Lending0.07%(3.0)0.41%
Northpointe Bank0.07%(3.0)1.31%
PNC Bank0.07%(3.0)2.27%
Freedom Mortgage Corporation0.07%(3.0)0.64%
Finance of America Mortgage0.07%(3.0)0.42%
Evansville Teachers Federal Credit Union0.08%(3.0)0.53%
Western Ohio Mortgage0.09%(3.0)0.39%
Republic State Mortgage Co0.11%(3.0)1.44%
Supreme Lending0.11%(3.0)0.60%
Stockton Mortgage0.12%(3.0)5.84%
Bank of England AR0.13%(3.0)4.07%
PrimeLending0.15%(3.0)1.24%
Quicken Loans0.16%(2.5)8.88%
Benchmark0.16%(2.5)6.55%
Mr. Cooper0.17%(2.5)1.10%
Fairway Independent Mortgage Corporation0.17%(2.5)2.10%
Lender NameRate DifferenceRate RatingMarket 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 Corporation0.01%(3.5)0.11%
Forcht Bank0.01%(3.5)0.38%
First Financial Bank0.02%(3.5)0.23%
Hometown Lenders0.02%(3.5)3.58%
Home Point Financial Corporation0.03%(3.5)0.53%
Lakeview Loan Servicing0.03%(3.5)0.02%
Commonwealth Bank and Trust Company0.03%(3.5)0.42%
USAA0.03%(3.5)1.85%
Caliber Home Loans0.04%(3.5)0.55%
Crescent Mortgage Company0.06%(3.0)0.53%
HomeServices Lending0.07%(3.0)0.61%
Western Ohio Mortgage0.07%(3.0)0.36%
Evansville Teachers Federal Credit Union0.08%(3.0)0.69%
Northpointe Bank0.08%(3.0)1.62%
Finance of America Mortgage0.08%(3.0)0.61%
Mr. Cooper0.09%(3.0)0.44%
Quicken Loans0.10%(3.0)4.30%
loanDepot0.10%(3.0)1.16%
Carrington Mortgage Services0.10%(3.0)0.32%
Supreme Lending0.12%(3.0)0.82%
Republic State Mortgage Co0.13%(3.0)1.92%
Bank of England AR0.14%(3.0)5.83%
Stockton Mortgage0.14%(3.0)7.52%
PrimeLending0.15%(2.5)1.79%
Benchmark0.19%(2.5)8.05%
Fairway Independent Mortgage Corporation0.20%(2.5)2.82%
Lender NameRate DifferenceRate RatingMarket 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 Servicing0.00%(3.5)0.96%
Union Home Mortgage0.00%(3.5)0.23%
loanDepot0.01%(3.5)1.16%
Prosperity Home Mortgage LLC0.01%(3.5)0.12%
Caliber Home Loans0.01%(3.5)0.58%
Finance of America Mortgage0.01%(3.5)0.14%
Commonwealth Bank and Trust Company0.02%(3.5)0.41%
Stockton Mortgage0.02%(3.5)3.27%
USAA0.02%(3.5)0.64%
Forcht Bank0.03%(3.5)0.32%
HomeServices Lending0.03%(3.5)0.12%
Bank of America0.03%(3.5)0.46%
Republic State Mortgage Co0.04%(3.5)0.69%
Northpointe Bank0.04%(3.5)0.84%
Supreme Lending0.04%(3.5)0.26%
Carrington Mortgage Services0.04%(3.5)1.65%
SWBC Mortgage0.05%(3.5)0.03%
Crescent Mortgage Company0.05%(3.5)0.43%
Fairway Independent Mortgage Corporation0.05%(3.0)1.01%
Fifth Third Bank0.06%(3.0)6.11%
Bank of England AR0.06%(3.0)1.39%
US Bank0.06%(3.0)2.17%
Flagstar Bank0.07%(3.0)0.84%
Evansville Teachers Federal Credit Union0.07%(3.0)0.29%
Benchmark0.07%(3.0)4.26%
WesBanco0.09%(3.0)0.98%
First Financial Bank0.10%(3.0)0.58%
Western Ohio Mortgage0.11%(3.0)0.43%
PrimeLending0.12%(3.0)0.41%
Freedom Mortgage Corporation0.14%(3.0)0.98%
Republic Bank Louisville KY0.15%(2.5)0.35%
Quicken Loans0.19%(2.5)15.84%
Mr. Cooper0.20%(2.5)2.11%
PNC Bank0.20%(2.5)2.90%
Wells Fargo Bank0.22%(2.5)1.42%
JPMorgan Chase Bank0.24%(2.5)4.83%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)0.50%
Fifth Third Bank0.01%(3.5)5.58%
Flagstar Bank0.02%(3.5)1.11%
WesBanco0.02%(3.5)1.19%
US Bank0.02%(3.5)2.10%
Forcht Bank0.02%(3.5)0.40%
JPMorgan Chase Bank0.02%(3.5)6.42%
American Mortgage Service Company0.03%(3.5)3.14%
Republic Bank Louisville KY0.04%(3.5)0.91%
SWBC Mortgage0.04%(3.5)0.05%
Home Point Financial Corporation0.04%(3.5)0.30%
USAA0.04%(3.5)0.88%
Hometown Lenders0.05%(3.5)2.29%
Commonwealth Bank and Trust Company0.05%(3.5)0.38%
Wells Fargo Bank0.06%(3.0)1.77%
Carrington Mortgage Services0.06%(3.0)0.23%
loanDepot0.07%(3.0)0.73%
Crescent Mortgage Company0.07%(3.0)0.61%
Lakeview Loan Servicing0.07%(3.0)0.11%
Caliber Home Loans0.07%(3.0)0.29%
Stockton Mortgage0.08%(3.0)4.18%
Evansville Teachers Federal Credit Union0.09%(3.0)0.47%
HomeServices Lending0.09%(3.0)0.41%
PNC Bank0.09%(3.0)2.59%
First Financial Bank0.10%(3.0)0.32%
Finance of America Mortgage0.10%(3.0)0.38%
Navy Federal Credit Union0.10%(3.0)0.35%
Northpointe Bank0.10%(3.0)1.22%
Freedom Mortgage Corporation0.11%(3.0)0.17%
Western Ohio Mortgage0.12%(3.0)0.32%
Republic State Mortgage Co0.12%(3.0)1.23%
Supreme Lending0.13%(3.0)0.56%
Bank of England AR0.14%(3.0)4.15%
PrimeLending0.15%(2.5)0.99%
Benchmark0.16%(2.5)6.37%
Fairway Independent Mortgage Corporation0.21%(2.5)1.86%
Mr. Cooper0.25%(2.5)0.50%
Quicken Loans0.26%(2.0)7.47%
Lender NameRate DifferenceRate RatingMarket 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 Corporation0.00%(3.5)0.11%
Republic Bank Louisville KY0.00%(3.5)1.30%
South Central Bank0.01%(3.5)0.56%
Forcht Bank0.02%(3.5)0.45%
SWBC Mortgage0.03%(3.5)0.05%
Home Point Financial Corporation0.03%(3.5)0.37%
First Financial Bank0.03%(3.5)0.16%
Freedom Mortgage Corporation0.03%(3.5)0.11%
American Mortgage Service Company0.04%(3.5)5.11%
Lakeview Loan Servicing0.04%(3.5)0.03%
USAA0.05%(3.5)1.17%
Hometown Lenders0.06%(3.0)3.38%
Carrington Mortgage Services0.06%(3.0)0.08%
Commonwealth Bank and Trust Company0.07%(3.0)0.35%
Mr. Cooper0.07%(3.0)0.13%
Crescent Mortgage Company0.07%(3.0)0.67%
Evansville Teachers Federal Credit Union0.09%(3.0)0.59%
Caliber Home Loans0.09%(3.0)0.35%
loanDepot0.09%(3.0)0.69%
HomeServices Lending0.10%(3.0)0.61%
Western Ohio Mortgage0.10%(3.0)0.21%
Stockton Mortgage0.10%(3.0)5.38%
Finance of America Mortgage0.11%(3.0)0.59%
Navy Federal Credit Union0.12%(3.0)0.51%
Northpointe Bank0.12%(3.0)1.52%
Supreme Lending0.15%(2.5)0.75%
Republic State Mortgage Co0.15%(2.5)1.57%
Bank of England AR0.15%(2.5)6.04%
PrimeLending0.16%(2.5)1.36%
Quicken Loans0.17%(2.5)3.99%
Benchmark0.19%(2.5)7.74%
Fairway Independent Mortgage Corporation0.24%(2.5)2.55%
Lender NameRate DifferenceRate RatingMarket 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 Mortgage0.00%(3.5)0.18%
Prosperity Home Mortgage LLC0.02%(3.5)0.14%
Commonwealth Bank and Trust Company0.02%(3.5)0.43%
Stockton Mortgage0.02%(3.5)2.57%
Finance of America Mortgage0.03%(3.5)0.11%
Navy Federal Credit Union0.03%(3.5)0.14%
USAA0.03%(3.5)0.50%
Caliber Home Loans0.03%(3.5)0.21%
HomeServices Lending0.03%(3.5)0.14%
Forcht Bank0.03%(3.5)0.32%
loanDepot0.04%(3.5)0.78%
Bank of America0.04%(3.5)0.50%
Republic State Mortgage Co0.04%(3.5)0.78%
Home Point Financial Corporation0.05%(3.5)0.21%
Supreme Lending0.05%(3.0)0.32%
SWBC Mortgage0.06%(3.0)0.04%
Crescent Mortgage Company0.06%(3.0)0.53%
Northpointe Bank0.06%(3.0)0.82%
Fairway Independent Mortgage Corporation0.06%(3.0)0.93%
Carrington Mortgage Services0.06%(3.0)0.43%
Bank of England AR0.07%(3.0)1.60%
Fifth Third Bank0.07%(3.0)6.60%
Benchmark0.07%(3.0)4.53%
US Bank0.07%(3.0)2.39%
Lakeview Loan Servicing0.08%(3.0)0.21%
Flagstar Bank0.08%(3.0)0.86%
Evansville Teachers Federal Credit Union0.08%(3.0)0.32%
WesBanco0.10%(3.0)1.14%
First Financial Bank0.12%(3.0)0.53%
PrimeLending0.13%(3.0)0.50%
Western Ohio Mortgage0.13%(3.0)0.46%
Freedom Mortgage Corporation0.16%(2.5)0.25%
Republic Bank Louisville KY0.17%(2.5)0.39%
PNC Bank0.21%(2.5)3.35%
Wells Fargo Bank0.24%(2.5)1.64%
JPMorgan Chase Bank0.25%(2.0)5.78%
Mr. Cooper0.28%(2.0)1.00%
Quicken Loans0.30%(2.0)12.13%
Lender NameRate DifferenceRate RatingMarket 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 Servicing0.00%(3.5)0.80%
Finance of America Mortgage0.01%(3.5)0.73%
Wells Fargo Bank0.01%(3.5)0.07%
HomeServices Lending0.01%(3.5)0.44%
Amerisave Mortgage Corporation0.01%(3.5)0.58%
Freedom Mortgage Corporation0.02%(3.5)1.75%
Western Ohio Mortgage0.03%(3.5)0.66%
Carrington Mortgage Services0.03%(3.5)3.28%
Supreme Lending0.07%(3.0)1.02%
Evansville Teachers Federal Credit Union0.07%(3.0)0.80%
Republic State Mortgage Co0.08%(3.0)2.99%
loanDepot0.09%(3.0)2.26%
Fairway Independent Mortgage Corporation0.10%(3.0)3.21%
Mr. Cooper0.10%(3.0)3.28%
Bank of England AR0.11%(3.0)4.38%
PrimeLending0.15%(2.5)2.41%
Stockton Mortgage0.16%(2.5)13.80%
Benchmark0.19%(2.5)7.52%
Lender NameRate DifferenceRate RatingMarket 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 Corporation0.00%(3.5)1.18%
Wells Fargo Bank0.00%(3.5)0.10%
HomeServices Lending0.01%(3.5)0.59%
Amerisave Mortgage Corporation0.01%(3.5)0.20%
Finance of America Mortgage0.01%(3.5)0.78%
Western Ohio Mortgage0.03%(3.5)0.78%
Supreme Lending0.06%(3.0)1.37%
Evansville Teachers Federal Credit Union0.07%(3.0)1.08%
Mr. Cooper0.07%(3.0)1.18%
Republic State Mortgage Co0.08%(3.0)3.92%
loanDepot0.10%(3.0)2.55%
Bank of England AR0.10%(3.0)5.78%
Fairway Independent Mortgage Corporation0.10%(3.0)3.92%
Carrington Mortgage Services0.11%(3.0)1.08%
PrimeLending0.15%(3.0)3.24%
Stockton Mortgage0.17%(2.5)16.37%
Benchmark0.19%(2.5)9.02%
Lender NameRate DifferenceRate RatingMarket 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 Mortgage0.01%(3.5)6.29%
Republic State Mortgage Co0.01%(3.5)0.29%
Bank of England AR0.01%(3.5)0.29%
Lakeview Loan Servicing0.02%(3.5)3.14%
Carrington Mortgage Services0.02%(3.5)9.71%
Amerisave Mortgage Corporation0.03%(3.5)1.71%
loanDepot0.03%(3.5)1.43%
Freedom Mortgage Corporation0.12%(3.0)3.71%
Mr. Cooper0.12%(3.0)9.43%
Benchmark0.13%(3.0)3.14%
Lender NameRate DifferenceRate RatingMarket 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 KY0.00%(3.5)12.65%
Quicken Loans0.00%(3.5)1.81%
South Central Bank0.00%(3.5)0.60%
Republic Bank Louisville KY0.00%(3.5)0.60%
First Financial Bank0.00%(3.5)1.20%
US Bank0.00%(3.5)7.23%
Community Trust Bank0.00%(3.5)11.45%
Forcht Bank0.01%(3.5)1.81%
Wells Fargo Bank0.01%(3.5)1.20%
Fairway Independent Mortgage Corporation0.01%(3.5)0.60%
Guardian Savings Bank0.01%(3.5)0.60%
Bank of England AR0.01%(3.5)0.60%
PNC Bank0.01%(3.5)4.82%
JPMorgan Chase Bank0.02%(3.5)6.63%
Kentucky Bank0.02%(3.5)5.42%
Benchmark0.03%(3.5)7.83%
Lender NameRate DifferenceRate RatingMarket 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 Loans0.00%(3.5)1.10%
First Financial Bank0.00%(3.5)2.20%
Forcht Bank0.00%(3.5)2.20%
Wells Fargo Bank0.01%(3.5)1.10%
Fairway Independent Mortgage Corporation0.01%(3.5)1.10%
Bank of England AR0.01%(3.5)1.10%
PNC Bank0.01%(3.5)5.49%
Community Trust Bank0.01%(3.5)10.99%
US Bank0.01%(3.5)6.59%
JPMorgan Chase Bank0.02%(3.5)6.59%
Benchmark0.02%(3.5)8.79%
Lender NameRate DifferenceRate RatingMarket 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 Loans0.00%(3.5)2.67%
South Central Bank0.00%(3.5)1.33%
Republic Bank Louisville KY0.00%(3.5)1.33%
Forcht Bank0.01%(3.5)1.33%
Wells Fargo Bank0.01%(3.5)1.33%
JPMorgan Chase Bank0.01%(3.5)6.67%
Guardian Savings Bank0.01%(3.5)1.33%
PNC Bank0.01%(3.5)4.00%
Central Bank KY0.02%(3.5)8.00%
Kentucky Bank0.02%(3.5)9.33%
Benchmark0.05%(3.5)6.67%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)0.99%
USAA0.01%(3.5)10.03%
Supreme Lending0.01%(3.5)0.16%
Carrington Mortgage Services0.01%(3.5)2.30%
Flagstar Bank0.01%(3.5)2.14%
PNC Bank0.01%(3.5)1.15%
Northpointe Bank0.02%(3.5)1.81%
US Bank0.02%(3.5)1.32%
Finance of America Mortgage0.02%(3.5)0.33%
Western Ohio Mortgage0.03%(3.5)0.66%
SWBC Mortgage0.03%(3.5)0.99%
Stockton Mortgage0.05%(3.5)7.40%
Quicken Loans0.05%(3.0)12.34%
Bank of England AR0.06%(3.0)3.45%
PrimeLending0.06%(3.0)1.64%
Freedom Mortgage Corporation0.06%(3.0)3.45%
Fairway Independent Mortgage Corporation0.08%(3.0)2.63%
Mr. Cooper0.10%(3.0)2.96%
Benchmark0.12%(3.0)5.92%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)1.31%
Union Home Mortgage0.01%(3.5)1.31%
Old National Bank0.01%(3.5)0.26%
Hometown Lenders0.01%(3.5)1.57%
Supreme Lending0.01%(3.5)0.26%
First Financial Bank0.01%(3.5)0.26%
Flagstar Bank0.02%(3.5)2.35%
USAA0.02%(3.5)13.84%
loanDepot0.03%(3.5)2.35%
Carrington Mortgage Services0.03%(3.5)0.78%
Finance of America Mortgage0.03%(3.5)0.52%
PNC Bank0.03%(3.5)1.31%
Northpointe Bank0.04%(3.5)2.09%
SWBC Mortgage0.04%(3.5)1.57%
US Bank0.04%(3.5)1.57%
Western Ohio Mortgage0.04%(3.5)0.78%
Quicken Loans0.05%(3.5)3.66%
Mr. Cooper0.07%(3.0)1.57%
PrimeLending0.07%(3.0)2.61%
Bank of England AR0.07%(3.0)4.96%
Fairway Independent Mortgage Corporation0.10%(3.0)2.87%
Stockton Mortgage0.10%(3.0)6.79%
Benchmark0.14%(3.0)8.36%
Lender NameRate DifferenceRate RatingMarket 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 Bank0.00%(3.5)1.78%
Benchmark0.00%(3.5)1.78%
Wells Fargo Bank0.02%(3.5)0.89%
Fairway Independent Mortgage Corporation0.02%(3.5)2.22%
Quicken Loans0.04%(3.5)27.11%
Freedom Mortgage Corporation0.10%(3.0)6.22%
Mr. Cooper0.11%(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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