Refinancing lenders in Graves County
70 refinancing mortgages were made in Graves County, Kentucky, in 2025, by 30 lenders. The median rate their borrowers got was 6.125% on a median loan of $155,000. Of 89 decisions, 15 were denials — 16.9%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FNB Bank, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Rocket Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| First Kentucky Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Citizens Deposit Bank of Arlington Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank of the Heartland, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Independence Bank of Kentucky | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 54930002HD26G3OGZR79 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Paducah Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 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.