Refinancing lenders in Bourbon County
92 refinancing mortgages were made in Bourbon County, Kentucky, in 2025, by 49 lenders. The median rate their borrowers got was 6.883% on a median loan of $155,000. Of 129 decisions, 29 were denials — 22.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Traditional Bank, Inc. | 20 | 7.500% | $70,000 | 20.0% |
| Stock Yards Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 40.0% |
| COMMONWEALTH | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 45.5% |
| The Home Savings and Loan Company of Kenton, Ohio | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNIVERSITY OF KENTUCKY | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Rocket Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Peoples Exchange Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community Trust Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Lexington, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abound Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Bluegrass and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Somerset | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBERS HERITAGE Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ALTRA Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEARPATH LENDING | 0 | Under 10 loans | Under 10 loans | Not published |
| Union Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| City National Bank of West Virginia | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIELD & MAIN BANK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.