Cash-out refinancing lenders in Garrard County
57 cash-out refinancing mortgages were made in Garrard County, Kentucky, in 2025, by 46 lenders. The median rate their borrowers got was 6.683% on a median loan of $165,000. Of 96 decisions, 35 were denials — 36.5%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 15 | 6.750% | $165,000 | 20.0% |
| COMMONWEALTH | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Park Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Abound Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| L & N Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE 1 INCORPORATED | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTERCAP LENDING INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CROSSCOUNTRY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 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.