Top Mortgage Lenders in the Lexington-Fayette, KY area

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, we provide a data driven ranking of mortgage lenders in the Lexington-Fayette, KY area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Lexington-Fayette, KY area is Central Bank & Trust Co, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.27%. This means that Central Bank & Trust Co provided a -0.27% lower interest rate for its customers than other lenders in Lexington-Fayette, KY for a similar set of borrowers. Central Bank & Trust Co has a market share of 6.4%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 8.6%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.15% relative to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed rankings of the mortgage lenders for 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, the cheapest lender for Conventional mortgages in Lexington-Fayette, KY is Central Bank & Trust Co. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Fifth Third Bank, National Association. 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. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central Bank & Trust Co 1, -0.27% 6.39%
Guardian Savings Bank, FSB 2, -0.22% 7.80%
Peoples Exchange Bank 3, -0.16% 1.94%
First Community Mortgage Inc 4, -0.16% 0.46%
Commonwealth Credit Union Inc 5, -0.13% 1.77%
Kentucky Bank 6, -0.13% 2.39%
Provident Funding Associates 7, -0.12% 3.55%
Prosperity Home Mortgage 8, -0.08% 0.70%
Truist Bank 9, -0.08% 1.57%
Community Trust Bank, Inc 10, -0.08% 1.29%
American Mortgage Service Company 11, -0.07% 3.47%
Union Savings Bank 12, -0.07% 0.34%
UNIFY Financial Credit Union 13, -0.07% 0.36%
Old National Bank 14, -0.05% 0.58%
Navy Federal Credit Union 15, -0.04% 0.69%
Amerisave Mortgage Corporation 16, -0.03% 0.46%
Union Home Mortgage Company 17, -0.02% 0.37%
Bank of America 18, -0.02% 0.45%
South Central Bank Inc 19, -0.02% 0.58%
Fifth Third Bank, National Association 20, -0.01% 4.76%
Lakeview Loan Servicing 21, -0.01% 0.37%
SWBC Mortgage Corporation 22, -0.00% 0.34%
Citizens Bank 23, 0.00% 0.45%
WesBanco Bank, Inc 24, 0.00% 1.01%
Flagstar Bank 25, 0.00% 1.05%
Home Point Financial Corporation 26, 0.01% 0.55%
Us Bank 27, 0.01% 1.78%
Forcht Bank National Association 28, 0.01% 0.34%
JPMorgan Chase Bank 29, 0.01% 4.76%
Hometown Lenders INC 30, 0.01% 2.39%
Republic Bank & Trust Company 31, 0.02% 0.72%
Commonwealth Bank and Trust Company 32, 0.02% 0.40%
Caliber Home Loans Inc 33, 0.03% 0.54%
Usaa Federal Savings Bank 34, 0.03% 1.31%
Wells Fargo Bank 35, 0.04% 1.44%
Crescent Mortgage Company 36, 0.05% 0.47%
Carrington Mortgage Services 37, 0.05% 0.81%
LoanDepot 38, 0.06% 1.11%
First Financial Bank 39, 0.06% 0.35%
HomeServices Lending 40, 0.06% 0.40%
Northpointe Bank 41, 0.06% 1.26%
Pnc Bank 42, 0.06% 2.18%
Freedom Mortgage Corporation 43, 0.07% 0.62%
Finance of America Mortgage 44, 0.07% 0.41%
Evansville Teachers Federal Credit Union 45, 0.07% 0.51%
Western Ohio Mortgage Corporation 46, 0.08% 0.37%
Republic State Mortgage Co 47, 0.11% 1.38%
Supreme Lending/ Everett Financial Inc 48, 0.11% 0.57%
Stockton Mortgage Corporation 49, 0.11% 5.59%
Century Mortgage Company DBA Century Lending Company 50, 0.12% 3.56%
Bank of England 51, 0.12% 3.90%
Primelending 52, 0.15% 1.19%
Quicken Loans 53, 0.15% 8.58%
Ark-La-Tex Financial Services 54, 0.15% 6.28%
Nationstar Mortgage 55, 0.16% 1.06%
Fairway Independent Mort Corp 56, 0.17% 2.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central Bank & Trust Co 1, -0.27% 7.02%
Peoples Exchange Bank 2, -0.18% 2.41%
Guardian Savings Bank, FSB 3, -0.15% 5.04%
JPMorgan Chase Bank 4, -0.13% 4.77%
Kentucky Bank 5, -0.11% 1.96%
Prosperity Home Mortgage 6, -0.09% 1.08%
Provident Funding Associates 7, -0.09% 2.07%
Community Trust Bank, Inc 8, -0.09% 1.12%
Truist Bank 9, -0.08% 1.55%
American Mortgage Service Company 10, -0.08% 5.31%
Old National Bank 11, -0.08% 0.58%
Wells Fargo Bank 12, -0.07% 1.48%
First Community Mortgage Inc 13, -0.07% 0.18%
Pnc Bank 14, -0.07% 1.76%
Fifth Third Bank, National Association 15, -0.07% 3.98%
Bank of America 16, -0.05% 0.45%
WesBanco Bank, Inc 17, -0.05% 1.04%
Commonwealth Credit Union Inc 18, -0.05% 0.97%
Navy Federal Credit Union 19, -0.04% 0.97%
Union Savings Bank 20, -0.04% 0.23%
UNIFY Financial Credit Union 21, -0.04% 0.27%
Freedom Mortgage Corporation 22, -0.04% 0.40%
Union Home Mortgage Company 23, -0.04% 0.47%
Us Bank 24, -0.03% 1.57%
Flagstar Bank 25, -0.03% 1.19%
South Central Bank Inc 26, -0.02% 0.70%
Republic Bank & Trust Company 27, -0.01% 0.95%
SWBC Mortgage Corporation 28, -0.01% 0.54%
Amerisave Mortgage Corporation 29, 0.00% 0.11%
Forcht Bank National Association 30, 0.00% 0.36%
Citizens Bank 31, 0.01% 0.45%
First Financial Bank 32, 0.01% 0.22%
Hometown Lenders INC 33, 0.01% 3.38%
Home Point Financial Corporation 34, 0.02% 0.50%
Lakeview Loan Servicing 35, 0.02% 0.02%
Commonwealth Bank and Trust Company 36, 0.03% 0.40%
Usaa Federal Savings Bank 37, 0.03% 1.75%
Caliber Home Loans Inc 38, 0.03% 0.52%
Crescent Mortgage Company 39, 0.05% 0.50%
HomeServices Lending 40, 0.06% 0.58%
Western Ohio Mortgage Corporation 41, 0.06% 0.34%
Northpointe Bank 42, 0.07% 1.53%
Evansville Teachers Federal Credit Union 43, 0.07% 0.65%
Finance of America Mortgage 44, 0.07% 0.58%
Nationstar Mortgage 45, 0.08% 0.41%
Quicken Loans 46, 0.09% 4.07%
LoanDepot 47, 0.09% 1.10%
Carrington Mortgage Services 48, 0.10% 0.31%
Supreme Lending/ Everett Financial Inc 49, 0.12% 0.77%
Republic State Mortgage Co 50, 0.12% 1.82%
Century Mortgage Company DBA Century Lending Company 51, 0.13% 4.97%
Bank of England 52, 0.13% 5.51%
Stockton Mortgage Corporation 53, 0.14% 7.11%
Primelending 54, 0.14% 1.69%
Ark-La-Tex Financial Services 55, 0.18% 7.62%
Fairway Independent Mort Corp 56, 0.19% 2.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central Bank & Trust Co 1, -0.27% 5.39%
Guardian Savings Bank, FSB 2, -0.26% 12.13%
First Community Mortgage Inc 3, -0.18% 0.91%
Commonwealth Credit Union Inc 4, -0.16% 3.03%
Kentucky Bank 5, -0.14% 3.06%
Provident Funding Associates 6, -0.13% 5.87%
Peoples Exchange Bank 7, -0.12% 1.19%
Union Savings Bank 8, -0.08% 0.51%
UNIFY Financial Credit Union 9, -0.08% 0.51%
Truist Bank 10, -0.07% 1.62%
Community Trust Bank, Inc 11, -0.06% 1.56%
Amerisave Mortgage Corporation 12, -0.03% 1.02%
American Mortgage Service Company 13, -0.03% 0.57%
Hometown Lenders INC 14, -0.02% 0.82%
Old National Bank 15, -0.02% 0.60%
Home Point Financial Corporation 16, -0.01% 0.62%
Citizens Bank 17, -0.01% 0.45%
South Central Bank Inc 18, -0.01% 0.40%
Navy Federal Credit Union 19, -0.01% 0.26%
Lakeview Loan Servicing 20, 0.00% 0.94%
Union Home Mortgage Company 21, 0.00% 0.23%
LoanDepot 22, 0.01% 1.13%
Prosperity Home Mortgage 23, 0.01% 0.11%
Caliber Home Loans Inc 24, 0.01% 0.57%
Finance of America Mortgage 25, 0.01% 0.14%
Commonwealth Bank and Trust Company 26, 0.02% 0.40%
Stockton Mortgage Corporation 27, 0.02% 3.20%
Usaa Federal Savings Bank 28, 0.02% 0.62%
Forcht Bank National Association 29, 0.02% 0.31%
HomeServices Lending 30, 0.03% 0.11%
Bank of America 31, 0.03% 0.45%
Republic State Mortgage Co 32, 0.04% 0.68%
Northpointe Bank 33, 0.04% 0.82%
Supreme Lending/ Everett Financial Inc 34, 0.04% 0.26%
Carrington Mortgage Services 35, 0.04% 1.62%
Century Mortgage Company DBA Century Lending Company 36, 0.05% 1.33%
Crescent Mortgage Company 37, 0.05% 0.43%
SWBC Mortgage Corporation 38, 0.05% 0.03%
Fairway Independent Mort Corp 39, 0.05% 0.99%
Fifth Third Bank, National Association 40, 0.06% 5.98%
Bank of England 41, 0.06% 1.36%
Us Bank 42, 0.06% 2.13%
Flagstar Bank 43, 0.07% 0.82%
Evansville Teachers Federal Credit Union 44, 0.07% 0.28%
Ark-La-Tex Financial Services 45, 0.07% 4.17%
WesBanco Bank, Inc 46, 0.09% 0.96%
First Financial Bank 47, 0.09% 0.57%
Western Ohio Mortgage Corporation 48, 0.11% 0.43%
Primelending 49, 0.12% 0.40%
Freedom Mortgage Corporation 50, 0.14% 0.96%
Republic Bank & Trust Company 51, 0.15% 0.34%
Quicken Loans 52, 0.18% 15.68%
Nationstar Mortgage 53, 0.20% 2.07%
Pnc Bank 54, 0.20% 2.84%
Wells Fargo Bank 55, 0.22% 1.39%
JPMorgan Chase Bank 56, 0.24% 4.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central Bank & Trust Co 1, -0.28% 7.39%
Guardian Savings Bank, FSB 2, -0.22% 9.85%
First Community Mortgage Inc 3, -0.15% 0.60%
Kentucky Bank 4, -0.13% 2.58%
Commonwealth Credit Union Inc 5, -0.12% 2.33%
Peoples Exchange Bank 6, -0.12% 1.87%
Provident Funding Associates 7, -0.11% 4.63%
Community Trust Bank, Inc 8, -0.09% 1.42%
Truist Bank 9, -0.08% 1.86%
Prosperity Home Mortgage 10, -0.08% 0.79%
Union Savings Bank 11, -0.06% 0.41%
Old National Bank 12, -0.06% 0.60%
UNIFY Financial Credit Union 13, -0.06% 0.48%
Amerisave Mortgage Corporation 14, -0.05% 0.44%
Union Home Mortgage Company 15, -0.03% 0.29%
Bank of America 16, -0.02% 0.48%
South Central Bank Inc 17, -0.00% 0.48%
Fifth Third Bank, National Association 18, 0.00% 5.36%
Citizens Bank 19, 0.01% 0.47%
Flagstar Bank 20, 0.01% 1.07%
WesBanco Bank, Inc 21, 0.02% 1.14%
Us Bank 22, 0.02% 2.02%
Forcht Bank National Association 23, 0.02% 0.38%
JPMorgan Chase Bank 24, 0.02% 6.16%
American Mortgage Service Company 25, 0.03% 3.02%
Republic Bank & Trust Company 26, 0.03% 0.88%
SWBC Mortgage Corporation 27, 0.03% 0.04%
Home Point Financial Corporation 28, 0.03% 0.29%
Usaa Federal Savings Bank 29, 0.04% 0.85%
Hometown Lenders INC 30, 0.04% 2.20%
Commonwealth Bank and Trust Company 31, 0.04% 0.37%
Wells Fargo Bank 32, 0.05% 1.70%
Carrington Mortgage Services 33, 0.06% 0.22%
LoanDepot 34, 0.06% 0.70%
Crescent Mortgage Company 35, 0.06% 0.59%
Lakeview Loan Servicing 36, 0.06% 0.10%
Caliber Home Loans Inc 37, 0.07% 0.28%
Stockton Mortgage Corporation 38, 0.08% 4.01%
Evansville Teachers Federal Credit Union 39, 0.08% 0.45%
HomeServices Lending 40, 0.08% 0.40%
Pnc Bank 41, 0.09% 2.49%
First Financial Bank 42, 0.09% 0.31%
Finance of America Mortgage 43, 0.10% 0.37%
Navy Federal Credit Union 44, 0.10% 0.34%
Northpointe Bank 45, 0.10% 1.17%
Freedom Mortgage Corporation 46, 0.11% 0.16%
Western Ohio Mortgage Corporation 47, 0.11% 0.31%
Republic State Mortgage Co 48, 0.12% 1.19%
Century Mortgage Company DBA Century Lending Company 49, 0.12% 3.38%
Supreme Lending/ Everett Financial Inc 50, 0.12% 0.54%
Bank of England 51, 0.14% 3.98%
Primelending 52, 0.15% 0.95%
Ark-La-Tex Financial Services 53, 0.15% 6.12%
Fairway Independent Mort Corp 54, 0.20% 1.79%
Nationstar Mortgage 55, 0.24% 0.48%
Quicken Loans 56, 0.25% 7.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central Bank & Trust Co 1, -0.28% 8.29%
Guardian Savings Bank, FSB 2, -0.14% 6.35%
JPMorgan Chase Bank 3, -0.12% 6.53%
Peoples Exchange Bank 4, -0.12% 2.17%
Kentucky Bank 5, -0.11% 2.07%
Community Trust Bank, Inc 6, -0.10% 1.31%
Prosperity Home Mortgage 7, -0.09% 1.26%
Old National Bank 8, -0.09% 0.60%
Truist Bank 9, -0.08% 1.92%
Provident Funding Associates 10, -0.08% 2.87%
First Community Mortgage Inc 11, -0.07% 0.23%
Pnc Bank 12, -0.07% 1.92%
Wells Fargo Bank 13, -0.07% 1.76%
Fifth Third Bank, National Association 14, -0.06% 4.56%
Bank of America 15, -0.06% 0.48%
Union Home Mortgage Company 16, -0.04% 0.38%
WesBanco Bank, Inc 17, -0.04% 1.16%
Union Savings Bank 18, -0.04% 0.25%
Commonwealth Credit Union Inc 19, -0.04% 1.31%
Us Bank 20, -0.03% 1.79%
UNIFY Financial Credit Union 21, -0.03% 0.38%
Flagstar Bank 22, -0.02% 1.23%
Amerisave Mortgage Corporation 23, -0.00% 0.10%
Republic Bank & Trust Company 24, -0.00% 1.23%
South Central Bank Inc 25, 0.00% 0.53%
Forcht Bank National Association 26, 0.01% 0.43%
SWBC Mortgage Corporation 27, 0.02% 0.05%
Citizens Bank 28, 0.02% 0.50%
Home Point Financial Corporation 29, 0.03% 0.35%
First Financial Bank 30, 0.03% 0.15%
Freedom Mortgage Corporation 31, 0.03% 0.10%
American Mortgage Service Company 32, 0.03% 4.84%
Lakeview Loan Servicing 33, 0.03% 0.03%
Usaa Federal Savings Bank 34, 0.04% 1.11%
Hometown Lenders INC 35, 0.05% 3.20%
Carrington Mortgage Services 36, 0.05% 0.08%
Commonwealth Bank and Trust Company 37, 0.06% 0.33%
Crescent Mortgage Company 38, 0.07% 0.63%
Nationstar Mortgage 39, 0.07% 0.13%
Evansville Teachers Federal Credit Union 40, 0.08% 0.55%
Caliber Home Loans Inc 41, 0.08% 0.33%
LoanDepot 42, 0.09% 0.66%
HomeServices Lending 43, 0.09% 0.58%
Western Ohio Mortgage Corporation 44, 0.09% 0.20%
Stockton Mortgage Corporation 45, 0.10% 5.09%
Finance of America Mortgage 46, 0.10% 0.55%
Navy Federal Credit Union 47, 0.11% 0.48%
Northpointe Bank 48, 0.11% 1.44%
Century Mortgage Company DBA Century Lending Company 49, 0.13% 4.79%
Supreme Lending/ Everett Financial Inc 50, 0.15% 0.71%
Republic State Mortgage Co 51, 0.15% 1.49%
Bank of England 52, 0.15% 5.72%
Primelending 53, 0.15% 1.29%
Quicken Loans 54, 0.17% 3.78%
Ark-La-Tex Financial Services 55, 0.19% 7.33%
Fairway Independent Mort Corp 56, 0.24% 2.42%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central Bank & Trust Co 1, -0.28% 6.15%
Guardian Savings Bank, FSB 2, -0.26% 14.70%
First Community Mortgage Inc 3, -0.17% 1.12%
Kentucky Bank 4, -0.16% 3.28%
Commonwealth Credit Union Inc 5, -0.15% 3.74%
Provident Funding Associates 6, -0.12% 7.06%
Peoples Exchange Bank 7, -0.11% 1.47%
Truist Bank 8, -0.08% 1.78%
Community Trust Bank, Inc 9, -0.07% 1.57%
Union Savings Bank 10, -0.07% 0.63%
UNIFY Financial Credit Union 11, -0.07% 0.63%
Amerisave Mortgage Corporation 12, -0.05% 0.91%
American Mortgage Service Company 13, -0.03% 0.49%
Hometown Lenders INC 14, -0.02% 0.80%
Old National Bank 15, -0.02% 0.59%
Citizens Bank 16, -0.01% 0.42%
South Central Bank Inc 17, -0.00% 0.42%
Union Home Mortgage Company 18, 0.00% 0.17%
Prosperity Home Mortgage 19, 0.02% 0.14%
Stockton Mortgage Corporation 20, 0.02% 2.51%
Commonwealth Bank and Trust Company 21, 0.02% 0.42%
Finance of America Mortgage 22, 0.02% 0.10%
Navy Federal Credit Union 23, 0.03% 0.14%
Usaa Federal Savings Bank 24, 0.03% 0.49%
Caliber Home Loans Inc 25, 0.03% 0.21%
Forcht Bank National Association 26, 0.03% 0.31%
HomeServices Lending 27, 0.03% 0.14%
LoanDepot 28, 0.03% 0.77%
Bank of America 29, 0.04% 0.49%
Republic State Mortgage Co 30, 0.04% 0.77%
Home Point Financial Corporation 31, 0.05% 0.21%
Supreme Lending/ Everett Financial Inc 32, 0.05% 0.31%
Crescent Mortgage Company 33, 0.05% 0.52%
SWBC Mortgage Corporation 34, 0.05% 0.03%
Northpointe Bank 35, 0.06% 0.80%
Century Mortgage Company DBA Century Lending Company 36, 0.06% 1.43%
Fairway Independent Mort Corp 37, 0.06% 0.91%
Carrington Mortgage Services 38, 0.06% 0.42%
Bank of England 39, 0.07% 1.57%
Fifth Third Bank, National Association 40, 0.07% 6.46%
Ark-La-Tex Financial Services 41, 0.07% 4.44%
Us Bank 42, 0.07% 2.34%
Lakeview Loan Servicing 43, 0.08% 0.21%
Flagstar Bank 44, 0.08% 0.84%
Evansville Teachers Federal Credit Union 45, 0.08% 0.31%
WesBanco Bank, Inc 46, 0.10% 1.12%
First Financial Bank 47, 0.12% 0.52%
Primelending 48, 0.13% 0.49%
Western Ohio Mortgage Corporation 49, 0.13% 0.45%
Freedom Mortgage Corporation 50, 0.16% 0.24%
Republic Bank & Trust Company 51, 0.17% 0.38%
Pnc Bank 52, 0.21% 3.28%
Wells Fargo Bank 53, 0.24% 1.61%
JPMorgan Chase Bank 54, 0.25% 5.66%
Nationstar Mortgage 55, 0.28% 0.98%
Quicken Loans 56, 0.29% 12.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Peoples Exchange Bank 1, -0.34% 2.68%
American Mortgage Service Company 2, -0.29% 5.42%
Central Bank & Trust Co 3, -0.27% 2.40%
Guardian Savings Bank, FSB 4, -0.15% 1.58%
Kentucky Bank 5, -0.14% 1.78%
Pnc Bank 6, -0.09% 0.89%
Prosperity Home Mortgage 7, -0.09% 0.48%
Fifth Third Bank, National Association 8, -0.08% 2.06%
Hometown Lenders INC 9, -0.07% 4.05%
Quicken Loans 10, -0.07% 14.07%
Provident Funding Associates 11, -0.07% 0.41%
South Central Bank Inc 12, -0.07% 1.17%
Union Savings Bank 13, -0.06% 0.14%
Flagstar Bank 14, -0.06% 0.62%
WesBanco Bank, Inc 15, -0.05% 0.55%
SWBC Mortgage Corporation 16, -0.05% 1.51%
Union Home Mortgage Company 17, -0.05% 0.55%
Us Bank 18, -0.04% 0.27%
Northpointe Bank 19, -0.04% 1.58%
Crescent Mortgage Company 20, -0.04% 0.21%
Home Point Financial Corporation 21, -0.04% 1.78%
Commonwealth Bank and Trust Company 22, -0.04% 0.69%
First Financial Bank 23, -0.04% 0.21%
Navy Federal Credit Union 24, -0.03% 0.07%
Old National Bank 25, -0.03% 0.14%
Citizens Bank 26, -0.03% 0.34%
Republic Bank & Trust Company 27, -0.03% 0.27%
Caliber Home Loans Inc 28, -0.02% 1.30%
Forcht Bank National Association 29, -0.02% 0.07%
First Community Mortgage Inc 30, -0.01% 0.07%
Lakeview Loan Servicing 31, -0.00% 0.75%
Finance of America Mortgage 32, -0.00% 0.69%
Wells Fargo Bank 33, 0.00% 0.07%
HomeServices Lending 34, 0.00% 0.41%
Amerisave Mortgage Corporation 35, 0.01% 0.55%
Freedom Mortgage Corporation 36, 0.01% 1.65%
Western Ohio Mortgage Corporation 37, 0.02% 0.62%
Carrington Mortgage Services 38, 0.03% 3.09%
Supreme Lending/ Everett Financial Inc 39, 0.06% 0.96%
Evansville Teachers Federal Credit Union 40, 0.06% 0.75%
Republic State Mortgage Co 41, 0.07% 2.81%
LoanDepot 42, 0.08% 2.13%
Fairway Independent Mort Corp 43, 0.09% 3.02%
Nationstar Mortgage 44, 0.09% 3.09%
Bank of England 45, 0.10% 4.12%
Century Mortgage Company DBA Century Lending Company 46, 0.11% 5.63%
Primelending 47, 0.15% 2.26%
Stockton Mortgage Corporation 48, 0.15% 12.97%
Ark-La-Tex Financial Services 49, 0.18% 7.07%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Peoples Exchange Bank 1, -0.34% 3.54%
American Mortgage Service Company 2, -0.32% 6.72%
Central Bank & Trust Co 3, -0.28% 3.09%
Guardian Savings Bank, FSB 4, -0.17% 1.81%
Kentucky Bank 5, -0.15% 1.91%
Pnc Bank 6, -0.11% 1.09%
Freedom Mortgage Corporation 7, -0.10% 1.00%
Quicken Loans 8, -0.10% 5.54%
Prosperity Home Mortgage 9, -0.09% 0.64%
Fifth Third Bank, National Association 10, -0.09% 2.09%
Hometown Lenders INC 11, -0.08% 4.99%
South Central Bank Inc 12, -0.07% 1.54%
Union Savings Bank 13, -0.07% 0.18%
Flagstar Bank 14, -0.06% 0.73%
Union Home Mortgage Company 15, -0.06% 0.54%
WesBanco Bank, Inc 16, -0.06% 0.73%
SWBC Mortgage Corporation 17, -0.06% 2.00%
Us Bank 18, -0.05% 0.36%
Northpointe Bank 19, -0.05% 1.81%
Commonwealth Bank and Trust Company 20, -0.05% 0.82%
Crescent Mortgage Company 21, -0.05% 0.27%
First Financial Bank 22, -0.04% 0.27%
Navy Federal Credit Union 23, -0.04% 0.09%
Old National Bank 24, -0.04% 0.18%
Citizens Bank 25, -0.04% 0.36%
Provident Funding Associates 26, -0.03% 0.09%
Republic Bank & Trust Company 27, -0.03% 0.36%
Forcht Bank National Association 28, -0.03% 0.09%
Caliber Home Loans Inc 29, -0.01% 0.82%
First Community Mortgage Inc 30, -0.01% 0.09%
Home Point Financial Corporation 31, -0.00% 1.09%
Wells Fargo Bank 32, -0.00% 0.09%
HomeServices Lending 33, -0.00% 0.54%
Amerisave Mortgage Corporation 34, 0.00% 0.18%
Finance of America Mortgage 35, 0.00% 0.73%
Western Ohio Mortgage Corporation 36, 0.02% 0.73%
Supreme Lending/ Everett Financial Inc 37, 0.05% 1.27%
Evansville Teachers Federal Credit Union 38, 0.06% 1.00%
Nationstar Mortgage 39, 0.06% 1.09%
Republic State Mortgage Co 40, 0.07% 3.63%
LoanDepot 41, 0.09% 2.36%
Bank of England 42, 0.10% 5.35%
Fairway Independent Mort Corp 43, 0.10% 3.63%
Carrington Mortgage Services 44, 0.10% 1.00%
Century Mortgage Company DBA Century Lending Company 45, 0.11% 7.08%
Primelending 46, 0.14% 2.99%
Stockton Mortgage Corporation 47, 0.16% 15.15%
Ark-La-Tex Financial Services 48, 0.18% 8.35%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Kentucky Bank 1, -0.08% 1.41%
Home Point Financial Corporation 2, -0.06% 3.94%
Provident Funding Associates 3, -0.06% 1.41%
Fifth Third Bank, National Association 4, -0.04% 1.97%
Quicken Loans 5, -0.04% 40.56%
Northpointe Bank 6, -0.02% 0.85%
Finance of America Mortgage 7, -0.02% 0.56%
American Mortgage Service Company 8, -0.02% 1.41%
Hometown Lenders INC 9, -0.02% 1.13%
Century Mortgage Company DBA Century Lending Company 10, -0.02% 1.13%
Union Home Mortgage Company 11, -0.01% 0.56%
Guardian Savings Bank, FSB 12, -0.01% 0.85%
Caliber Home Loans Inc 13, -0.01% 2.82%
Pnc Bank 14, -0.01% 0.28%
Central Bank & Trust Co 15, -0.01% 0.28%
Citizens Bank 16, -0.01% 0.28%
Flagstar Bank 17, -0.01% 0.28%
Western Ohio Mortgage Corporation 18, -0.00% 0.28%
Fairway Independent Mort Corp 19, -0.00% 1.13%
Commonwealth Bank and Trust Company 20, -0.00% 0.28%
Stockton Mortgage Corporation 21, 0.01% 6.20%
Republic State Mortgage Co 22, 0.01% 0.28%
Bank of England 23, 0.01% 0.28%
Lakeview Loan Servicing 24, 0.02% 3.10%
Carrington Mortgage Services 25, 0.02% 9.58%
Amerisave Mortgage Corporation 26, 0.03% 1.69%
LoanDepot 27, 0.03% 1.41%
Freedom Mortgage Corporation 28, 0.12% 3.66%
Nationstar Mortgage 29, 0.12% 9.30%
Ark-La-Tex Financial Services 30, 0.13% 3.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fifth Third Bank, National Association 1, -0.02% 16.77%
Old National Bank 2, -0.02% 4.79%
Truist Bank 3, -0.01% 8.38%
Bank of America 4, -0.01% 4.79%
Central Bank & Trust Co 5, -0.00% 12.57%
Community Trust Bank, Inc 6, 0.00% 11.98%
Quicken Loans 7, 0.00% 1.80%
South Central Bank Inc 8, 0.00% 0.60%
Republic Bank & Trust Company 9, 0.00% 0.60%
Us Bank 10, 0.00% 7.19%
First Financial Bank 11, 0.00% 1.20%
Forcht Bank National Association 12, 0.01% 1.80%
Wells Fargo Bank 13, 0.01% 1.20%
Fairway Independent Mort Corp 14, 0.01% 0.60%
Bank of England 15, 0.01% 0.60%
Guardian Savings Bank, FSB 16, 0.01% 0.60%
Pnc Bank 17, 0.01% 4.79%
JPMorgan Chase Bank 18, 0.02% 6.59%
Kentucky Bank 19, 0.02% 5.39%
Ark-La-Tex Financial Services 20, 0.03% 7.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.02% 8.79%
Old National Bank 2, -0.02% 5.49%
Bank of America 3, -0.01% 6.59%
Central Bank & Trust Co 4, -0.01% 16.48%
Fifth Third Bank, National Association 5, -0.01% 13.19%
Kentucky Bank 6, -0.00% 2.20%
Quicken Loans 7, 0.00% 1.10%
First Financial Bank 8, 0.00% 2.20%
Forcht Bank National Association 9, 0.01% 2.20%
Wells Fargo Bank 10, 0.01% 1.10%
Pnc Bank 11, 0.01% 5.49%
Fairway Independent Mort Corp 12, 0.01% 1.10%
Bank of England 13, 0.01% 1.10%
Community Trust Bank, Inc 14, 0.01% 10.99%
Us Bank 15, 0.01% 6.59%
JPMorgan Chase Bank 16, 0.02% 6.59%
Ark-La-Tex Financial Services 17, 0.02% 8.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fifth Third Bank, National Association 1, -0.03% 21.05%
Bank of America 2, -0.01% 2.63%
Old National Bank 3, -0.01% 3.95%
Community Trust Bank, Inc 4, -0.01% 13.16%
Truist Bank 5, -0.01% 7.89%
Us Bank 6, -0.00% 7.89%
Quicken Loans 7, 0.00% 2.63%
South Central Bank Inc 8, 0.00% 1.32%
Republic Bank & Trust Company 9, 0.00% 1.32%
Forcht Bank National Association 10, 0.01% 1.32%
Wells Fargo Bank 11, 0.01% 1.32%
Guardian Savings Bank, FSB 12, 0.01% 1.32%
JPMorgan Chase Bank 13, 0.01% 6.58%
Pnc Bank 14, 0.01% 3.95%
Central Bank & Trust Co 15, 0.03% 7.89%
Kentucky Bank 16, 0.03% 9.21%
Ark-La-Tex Financial Services 17, 0.05% 6.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
American Mortgage Service Company 1, -0.19% 4.79%
Navy Federal Credit Union 2, -0.13% 6.23%
Central Bank & Trust Co 3, -0.12% 3.04%
Lakeview Loan Servicing 4, -0.08% 2.56%
Peoples Exchange Bank 5, -0.07% 1.44%
Guardian Savings Bank, FSB 6, -0.06% 1.76%
Wells Fargo Bank 7, -0.05% 1.92%
LoanDepot 8, -0.04% 3.51%
WesBanco Bank, Inc 9, -0.03% 0.96%
Prosperity Home Mortgage 10, -0.03% 0.48%
Truist Bank 11, -0.03% 0.32%
Caliber Home Loans Inc 12, -0.03% 1.76%
Home Point Financial Corporation 13, -0.02% 0.64%
Kentucky Bank 14, -0.02% 0.96%
Republic State Mortgage Co 15, -0.02% 0.48%
Union Savings Bank 16, -0.01% 0.16%
HomeServices Lending 17, -0.01% 0.48%
South Central Bank Inc 18, -0.01% 0.32%
Forcht Bank National Association 19, -0.01% 0.16%
Commonwealth Credit Union Inc 20, -0.01% 0.32%
Evansville Teachers Federal Credit Union 21, -0.01% 0.64%
Fifth Third Bank, National Association 22, -0.01% 1.28%
Commonwealth Bank and Trust Company 23, -0.01% 0.16%
Hometown Lenders INC 24, -0.00% 1.28%
Citizens Bank 25, -0.00% 0.64%
Old National Bank 26, -0.00% 0.32%
Union Home Mortgage Company 27, -0.00% 0.96%
Amerisave Mortgage Corporation 28, -0.00% 0.64%
First Financial Bank 29, 0.00% 0.96%
Usaa Federal Savings Bank 30, 0.01% 9.74%
Supreme Lending/ Everett Financial Inc 31, 0.01% 0.16%
Carrington Mortgage Services 32, 0.01% 2.24%
Flagstar Bank 33, 0.01% 2.08%
Pnc Bank 34, 0.01% 1.12%
Northpointe Bank 35, 0.02% 1.76%
Us Bank 36, 0.02% 1.28%
Century Mortgage Company DBA Century Lending Company 37, 0.02% 1.60%
Finance of America Mortgage 38, 0.02% 0.32%
Western Ohio Mortgage Corporation 39, 0.03% 0.64%
SWBC Mortgage Corporation 40, 0.03% 0.96%
Stockton Mortgage Corporation 41, 0.05% 7.19%
Quicken Loans 42, 0.05% 12.30%
Bank of England 43, 0.06% 3.35%
Primelending 44, 0.06% 1.60%
Freedom Mortgage Corporation 45, 0.06% 3.35%
Fairway Independent Mort Corp 46, 0.08% 2.56%
Nationstar Mortgage 47, 0.10% 2.88%
Ark-La-Tex Financial Services 48, 0.12% 5.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
American Mortgage Service Company 1, -0.19% 7.38%
Navy Federal Credit Union 2, -0.13% 8.65%
Central Bank & Trust Co 3, -0.11% 3.05%
Guardian Savings Bank, FSB 4, -0.07% 2.04%
Peoples Exchange Bank 5, -0.07% 2.29%
Wells Fargo Bank 6, -0.06% 2.54%
WesBanco Bank, Inc 7, -0.04% 1.02%
Freedom Mortgage Corporation 8, -0.03% 1.78%
Prosperity Home Mortgage 9, -0.02% 0.76%
Caliber Home Loans Inc 10, -0.02% 1.78%
Truist Bank 11, -0.02% 0.51%
Kentucky Bank 12, -0.02% 1.02%
Home Point Financial Corporation 13, -0.01% 0.51%
Republic State Mortgage Co 14, -0.01% 0.51%
Citizens Bank 15, -0.01% 0.25%
Union Savings Bank 16, -0.01% 0.25%
HomeServices Lending 17, -0.01% 0.76%
Commonwealth Credit Union Inc 18, -0.01% 0.51%
Evansville Teachers Federal Credit Union 19, -0.01% 0.76%
South Central Bank Inc 20, -0.00% 0.25%
Fifth Third Bank, National Association 21, 0.00% 1.27%
Union Home Mortgage Company 22, 0.00% 1.27%
Old National Bank 23, 0.01% 0.25%
Hometown Lenders INC 24, 0.01% 1.53%
Supreme Lending/ Everett Financial Inc 25, 0.01% 0.25%
First Financial Bank 26, 0.01% 0.25%
Flagstar Bank 27, 0.02% 2.29%
Usaa Federal Savings Bank 28, 0.02% 13.49%
Carrington Mortgage Services 29, 0.03% 0.76%
LoanDepot 30, 0.03% 2.29%
Pnc Bank 31, 0.03% 1.27%
Finance of America Mortgage 32, 0.03% 0.51%
Century Mortgage Company DBA Century Lending Company 33, 0.03% 2.04%
Northpointe Bank 34, 0.04% 2.04%
SWBC Mortgage Corporation 35, 0.04% 1.53%
Us Bank 36, 0.04% 1.53%
Western Ohio Mortgage Corporation 37, 0.04% 0.76%
Quicken Loans 38, 0.05% 3.56%
Nationstar Mortgage 39, 0.07% 1.53%
Primelending 40, 0.07% 2.54%
Bank of England 41, 0.07% 4.83%
Fairway Independent Mort Corp 42, 0.10% 2.80%
Stockton Mortgage Corporation 43, 0.10% 6.62%
Ark-La-Tex Financial Services 44, 0.14% 8.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central Bank & Trust Co 1, -0.14% 3.00%
Lakeview Loan Servicing 2, -0.09% 6.87%
LoanDepot 3, -0.09% 5.58%
Navy Federal Credit Union 4, -0.06% 2.15%
Guardian Savings Bank, FSB 5, -0.05% 1.29%
Hometown Lenders INC 6, -0.03% 0.86%
Caliber Home Loans Inc 7, -0.03% 1.72%
Home Point Financial Corporation 8, -0.03% 0.86%
South Central Bank Inc 9, -0.03% 0.43%
Us Bank 10, -0.03% 0.86%
Northpointe Bank 11, -0.03% 1.29%
Union Home Mortgage Company 12, -0.03% 0.43%
Stockton Mortgage Corporation 13, -0.03% 8.15%
WesBanco Bank, Inc 14, -0.03% 0.86%
Fifth Third Bank, National Association 15, -0.02% 1.29%
Forcht Bank National Association 16, -0.02% 0.43%
Usaa Federal Savings Bank 17, -0.02% 3.43%
Republic State Mortgage Co 18, -0.02% 0.43%
Pnc Bank 19, -0.02% 0.86%
Old National Bank 20, -0.02% 0.43%
American Mortgage Service Company 21, -0.02% 0.43%
Century Mortgage Company DBA Century Lending Company 22, -0.02% 0.86%
Kentucky Bank 23, -0.02% 0.86%
Commonwealth Bank and Trust Company 24, -0.01% 0.43%
Evansville Teachers Federal Credit Union 25, -0.01% 0.43%
Western Ohio Mortgage Corporation 26, -0.01% 0.43%
Amerisave Mortgage Corporation 27, -0.01% 1.72%
Citizens Bank 28, -0.01% 1.29%
First Financial Bank 29, -0.01% 2.15%
Bank of England 30, -0.01% 0.86%
Carrington Mortgage Services 31, -0.00% 4.72%
Flagstar Bank 32, 0.00% 1.72%
Ark-La-Tex Financial Services 33, 0.01% 1.72%
Wells Fargo Bank 34, 0.02% 0.86%
Fairway Independent Mort Corp 35, 0.02% 2.15%
Quicken Loans 36, 0.04% 27.04%
Freedom Mortgage Corporation 37, 0.10% 6.01%
Nationstar Mortgage 38, 0.11% 5.15%

* 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 for the data comes from 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 based on the MSA, 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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