Cash-out refinancing lenders in Jefferson County
2,333 cash-out refinancing mortgages were made in Jefferson County, Kentucky, in 2025, by 214 lenders. The median rate their borrowers got was 7.000% on a median loan of $145,000. Of 3,485 decisions, 1,019 were denials — 29.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 462 | 7.500% | $105,000 | 22.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 183 | 6.999% | $175,000 | 18.7% |
| Republic Bank & Trust Company | 160 | 7.500% | $125,000 | 10.5% |
| Northpointe Bank | 94 | 7.750% | $195,000 | 19.0% |
| L & N Federal Credit Union | 79 | 7.000% | $105,000 | 20.2% |
| Park Federal Credit Union | 77 | 7.500% | $115,000 | 16.3% |
| AmeriSave Mortgage Corporation | 75 | 8.000% | $75,000 | 67.2% |
| FREEDOM MORTGAGE CORPORATION | 66 | 6.438% | $185,000 | 37.0% |
| NEWREZ LLC | 56 | 7.375% | $110,000 | 46.2% |
| Liberty | 46 | 7.500% | $175,000 | 14.8% |
| U.S. Bank National Association | 43 | 8.350% | $115,000 | 21.4% |
| Loandepot.Com, LLC | 39 | 6.490% | $145,000 | 34.4% |
| Fifth Third Bank, National Association | 38 | 6.438% | $200,000 | 32.8% |
| JPMorgan Chase Bank, National Association | 37 | 6.625% | $165,000 | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 6.058% | $165,000 | 22.2% |
| COMMONWEALTH | 33 | 7.375% | $125,000 | 30.0% |
| NATIONSTAR MORTGAGE LLC | 32 | 6.995% | $140,000 | 20.0% |
| PNC Bank, National Association | 32 | 6.875% | $185,000 | 8.6% |
| First Financial Bank | 26 | 5.990% | $130,000 | 48.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 25 | 6.625% | $155,000 | 56.9% |
| AMERICAN HERITAGE LENDING, LLC | 23 | 7.125% | $155,000 | 0.0% |
| Broker Solutions, Inc. | 21 | 7.250% | $165,000 | 43.2% |
| Abound Federal Credit Union | 21 | 6.500% | $345,000 | 19.2% |
| NEW DAY FINANCIAL, LLC | 19 | 7.250% | $245,000 | 63.2% |
| DOMINION FINANCIAL SERVICES, LLC | 19 | 7.750% | $105,000 | 0.0% |
| THE LOAN STORE, INC. | 19 | 7.125% | $155,000 | 17.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.625% | $195,000 | 25.0% |
| Equity Prime Mortgage LLC | 15 | 6.625% | $245,000 | 21.1% |
| STOCKTON MORTGAGE CORPORATION | 14 | 6.813% | $195,000 | 30.0% |
| KIND LENDING, LLC | 14 | 7.375% | $170,000 | 17.7% |
| LOWER, LLC | 13 | 6.625% | $255,000 | 17.7% |
| ADVANZ Federal Credit Union | 13 | 7.100% | $85,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 12 | 6.495% | $275,000 | 55.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.913% | $125,000 | 13.3% |
| The Federal Savings Bank | 11 | 6.500% | $245,000 | 21.4% |
| Navy Federal Credit Union | 11 | 7.125% | $165,000 | 36.8% |
| Truist Bank | 11 | 6.875% | $135,000 | 26.7% |
| INTERLINC MORTGAGE SERVICES, LLC | 11 | 6.990% | $205,000 | 8.3% |
| Magnolia Bank, Incorporated | 11 | 6.625% | $235,000 | 8.3% |
| Wells Fargo Bank, National Association | 10 | 6.563% | $145,000 | 44.4% |
| Stock Yards Bank & Trust Company | 10 | 6.250% | $215,000 | 9.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 46.7% |
| BPL MORTGAGE TRUST, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 54.2% |
| TRANSCEND Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 89.1% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 30.0% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLASS ACT FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| First Harrison Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 37.5% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 37.5% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Forcht Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 37.5% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 81.3% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| German American Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA MEMBERS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 64.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAIR WAY LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH CENTRAL BANK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilson & Muir Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 72.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ECLIPSE BANK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Independence Bank of Kentucky | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FineMark National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA UNIVERSITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCN Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Sunflower Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| River City Bank, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FBC MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MYCUMORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bedford Loan & Deposit Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| EAST COAST CAPITAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIELD & MAIN BANK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 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. Another 14 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Jefferson County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.