Home purchase lenders in Jefferson County
10,659 home purchase mortgages were made in Jefferson County, Kentucky, in 2025, by 378 lenders. The median rate their borrowers got was 6.624% on a median loan of $225,000. Of 12,203 decisions, 1,314 were denials — 10.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,345 | 6.625% | $225,000 | 8.5% |
| First Financial Bank | 743 | 5.875% | $165,000 | 5.5% |
| Stock Yards Bank & Trust Company | 539 | 6.625% | $205,000 | 11.2% |
| Northpointe Bank | 455 | 6.625% | $235,000 | 10.7% |
| U.S. Bank National Association | 441 | 6.875% | $205,000 | 11.6% |
| Rocket Mortgage, LLC | 437 | 6.500% | $225,000 | 10.6% |
| Fairway Independent Mortgage Corporation | 249 | 6.625% | $225,000 | 14.4% |
| Republic Bank & Trust Company | 242 | 6.375% | $225,000 | 8.9% |
| INTERLINC MORTGAGE SERVICES, LLC | 220 | 6.750% | $255,000 | 1.4% |
| THE LOAN STORE, INC. | 200 | 6.625% | $260,000 | 8.6% |
| STOCKTON MORTGAGE CORPORATION | 191 | 6.500% | $255,000 | 4.0% |
| JPMorgan Chase Bank, National Association | 168 | 6.490% | $235,000 | 10.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 165 | 6.000% | $355,000 | 31.6% |
| River City Bank, Inc. | 157 | Not published | $165,000 | 8.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 154 | 6.913% | $265,000 | 4.4% |
| Magnolia Bank, Incorporated | 152 | 6.625% | $230,000 | 6.1% |
| PNC Bank, National Association | 150 | 6.500% | $225,000 | 11.6% |
| L & N Federal Credit Union | 142 | 6.500% | $240,000 | 4.0% |
| Fifth Third Bank, National Association | 137 | 6.500% | $225,000 | 17.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 137 | 6.625% | $225,000 | 1.4% |
| Truist Bank | 135 | 6.400% | $205,000 | 8.8% |
| PULTE MORTGAGE LLC | 118 | 5.500% | $365,000 | 16.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 116 | 6.500% | $365,000 | 5.7% |
| LOWER, LLC | 114 | 6.625% | $275,000 | 4.1% |
| Prosperity Home Mortgage, LLC | 109 | 6.625% | $245,000 | 2.7% |
| KIND LENDING, LLC | 104 | 6.625% | $265,000 | 29.3% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 104 | 6.625% | $245,000 | 0.0% |
| Mortgage Research Center, LLC | 100 | 6.250% | $255,000 | 14.4% |
| Liberty | 98 | 6.625% | $285,000 | 3.9% |
| Paramount Residential Mortgage Group, Inc. | 94 | 6.625% | $275,000 | 6.0% |
| Wilson & Muir Bank & Trust Company | 94 | Not published | $225,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 86 | 6.625% | $315,000 | 7.5% |
| VICTORY MORTGAGE, L.L.C. | 85 | 5.625% | $355,000 | 4.5% |
| EVERETT FINANCIAL, INC. | 81 | 6.250% | $195,000 | 2.4% |
| Broker Solutions, Inc. | 81 | 6.750% | $235,000 | 5.8% |
| MOVEMENT MORTGAGE, LLC | 75 | 6.750% | $225,000 | 0.0% |
| Park Federal Credit Union | 71 | 6.750% | $195,000 | 8.9% |
| BAY EQUITY LLC | 70 | 6.750% | $205,000 | 1.4% |
| Abound Federal Credit Union | 67 | 6.000% | $295,000 | 4.3% |
| PLAZA HOME MORTGAGE, INC. | 67 | 6.625% | $215,000 | 11.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 65 | 6.625% | $225,000 | 1.5% |
| EMM LOANS LLC | 59 | 6.250% | $205,000 | 15.5% |
| Old National Bank | 54 | 6.375% | $220,000 | 20.0% |
| Bank of America, National Association | 52 | 6.125% | $230,000 | 17.2% |
| T2 FINANCIAL LLC | 52 | 6.875% | $245,000 | 5.5% |
| COMMONWEALTH | 51 | 6.250% | $255,000 | 26.8% |
| SOUTH CENTRAL BANK, INC. | 50 | 6.500% | $215,000 | 7.0% |
| Traditional Bank, Inc. | 49 | 6.375% | $235,000 | 9.1% |
| GUARANTEED RATE, INC. | 45 | 6.650% | $245,000 | 8.2% |
| Guardian Savings Bank | 45 | 6.750% | $385,000 | 11.5% |
| German American Bank | 44 | 0.000% | $185,000 | 15.1% |
| CMG MORTGAGE, INC. | 43 | 6.500% | $245,000 | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | 42 | 6.437% | $310,000 | 10.6% |
| The Huntington National Bank | 40 | 6.875% | $205,000 | 8.9% |
| Texana Bank, National Association | 39 | 6.750% | $275,000 | 0.0% |
| A&D Mortgage LLC | 39 | 6.875% | $295,000 | 15.2% |
| FREEDOM MORTGAGE CORPORATION | 39 | 6.250% | $305,000 | 20.4% |
| DHI MORTGAGE COMPANY, LTD. | 39 | 5.500% | $315,000 | 20.0% |
| CLASS ACT FEDERAL CREDIT UNION | 39 | Not published | $165,000 | 2.5% |
| Navy Federal Credit Union | 38 | 6.063% | $310,000 | 9.3% |
| Click n' Close, Inc. | 37 | 7.500% | $165,000 | 19.6% |
| Peoples Bank | 36 | 6.750% | $125,000 | 19.6% |
| Independence Bank of Kentucky | 32 | 6.950% | $205,000 | 13.2% |
| ENVOY MORTGAGE, LTD | 31 | 6.625% | $255,000 | 3.1% |
| 21st Mortgage Corporation | 29 | 11.300% | $55,000 | 68.8% |
| Kiavi Funding, Inc. | 29 | 11.450% | $175,000 | 9.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 29 | 6.500% | $235,000 | 6.5% |
| TRANSCEND Federal Credit Union | 29 | Not published | $295,000 | 0.0% |
| AmeriSave Mortgage Corporation | 27 | 6.750% | $275,000 | 29.0% |
| Mortgage Right | 27 | 6.625% | $265,000 | 3.6% |
| ECLIPSE BANK, INC. | 26 | Not published | $280,000 | 0.0% |
| The Dart Bank | 25 | 6.500% | $305,000 | 10.3% |
| USAA Federal Savings Bank | 24 | 6.563% | $285,000 | 25.0% |
| ZILLOW HOME LOANS, LLC | 23 | 6.500% | $225,000 | 14.8% |
| Plains Commerce Bank | 23 | 6.750% | $305,000 | 8.0% |
| THE MORTGAGE WAREHOUSE,LLC | 23 | 6.500% | $245,000 | 4.2% |
| GUILD MORTGAGE COMPANY | 22 | 6.250% | $195,000 | 0.0% |
| The Park National Bank | 22 | 6.650% | $175,000 | 8.0% |
| Forcht Bank, National Association | 22 | 6.500% | $265,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 20 | 7.625% | $210,000 | 16.7% |
| First National Bank of America | 19 | 8.500% | $155,000 | 13.6% |
| Equity Prime Mortgage LLC | 18 | 6.625% | $220,000 | 5.3% |
| First Harrison Bank | 16 | 6.988% | $210,000 | 0.0% |
| Loandepot.Com, LLC | 15 | 6.750% | $235,000 | 20.0% |
| WesBanco Bank, Inc. | 15 | 6.625% | $185,000 | 15.8% |
| FAIR WAY LENDING LLC | 15 | 6.500% | $245,000 | 16.7% |
| Central Bank & Trust Company | 15 | 6.850% | $285,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 15 | 6.000% | $575,000 | 6.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.625% | $265,000 | 0.0% |
| Park Lane Finance Solutions, LLC | 13 | 11.490% | $65,000 | 27.3% |
| Wells Fargo Bank, National Association | 13 | 6.250% | $355,000 | 30.0% |
| AMWEST FUNDING CORP. | 13 | 7.000% | $185,000 | 13.3% |
| NBKC BANK | 13 | 6.125% | $385,000 | 7.1% |
| RUOFF MORTGAGE COMPANY, INC. | 13 | 6.875% | $285,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 13 | 6.875% | $245,000 | 0.0% |
| Pinnacle Bank | 13 | 6.125% | $315,000 | 0.0% |
| PREMIER LENDING, INC. | 13 | 6.250% | $215,000 | 0.0% |
| NEWREZ LLC | 12 | 6.313% | $355,000 | 14.3% |
| DEEPHAVEN MORTGAGE LLC | 12 | 6.990% | $180,000 | 25.0% |
| Flagstar Bank, N.A. | 12 | 6.563% | $235,000 | 18.8% |
| PLANET HOME LENDING, LLC | 12 | 6.500% | $235,000 | 0.0% |
| UNIVERSITY OF KENTUCKY | 10 | 6.990% | $115,000 | 41.2% |
| BETTER MORTGAGE CORPORATION | 10 | 6.625% | $295,000 | 15.4% |
| 254900CTT87ZKAUTIJ37 | 10 | 7.750% | $95,000 | 16.7% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 8.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 52.9% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Community Trust Bank, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Centra Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Citizens Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Meade County Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| West Point Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 6 | Under 10 loans | Under 10 loans | 68.4% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Florida Capital Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Regions Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cumberland Valley National Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Peoples Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The New Washington State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 54.6% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Monticello Banking Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 37.5% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FirstBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Farmers Bank of Milton | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of Kentucky | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Lincoln National Bank of Hodgenville | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| ISERVE RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Cecilian Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 178 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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.