Refinancing lenders in Jefferson County
2,792 refinancing mortgages were made in Jefferson County, Kentucky, in 2025, by 241 lenders. The median rate their borrowers got was 6.499% on a median loan of $205,000. Of 3,675 decisions, 683 were denials — 18.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 323 | 5.999% | $285,000 | 12.7% |
| PNC Bank, National Association | 256 | 7.500% | $105,000 | 17.9% |
| Fifth Third Bank, National Association | 237 | 7.750% | $105,000 | 21.9% |
| Stock Yards Bank & Trust Company | 191 | 6.500% | $155,000 | 16.0% |
| Rocket Mortgage, LLC | 168 | 5.990% | $245,000 | 19.1% |
| FREEDOM MORTGAGE CORPORATION | 109 | 6.250% | $285,000 | 6.5% |
| L & N Federal Credit Union | 73 | 7.000% | $95,000 | 16.1% |
| Northpointe Bank | 72 | 7.563% | $165,000 | 10.7% |
| Truist Bank | 55 | 6.790% | $105,000 | 37.6% |
| UNIVERSITY OF KENTUCKY | 55 | 7.500% | $155,000 | 18.4% |
| PENNYMAC LOAN SERVICES, LLC | 50 | 5.990% | $290,000 | 9.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 38 | 6.000% | $360,000 | 9.3% |
| Kiavi Funding, Inc. | 36 | 7.375% | $125,000 | 16.3% |
| Fairway Independent Mortgage Corporation | 36 | 6.490% | $295,000 | 5.3% |
| Republic Bank & Trust Company | 35 | 6.250% | $245,000 | 16.7% |
| Liberty | 35 | 6.375% | $395,000 | 5.4% |
| Wilson & Muir Bank & Trust Company | 34 | Not published | $230,000 | 0.0% |
| COMMONWEALTH | 29 | 6.750% | $155,000 | 27.5% |
| Park Federal Credit Union | 28 | 6.995% | $100,000 | 12.5% |
| Mortgage Research Center, LLC | 27 | 5.750% | $255,000 | 38.6% |
| NEWREZ LLC | 26 | 6.058% | $300,000 | 22.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.240% | $305,000 | 3.9% |
| River City Bank, Inc. | 25 | Not published | $175,000 | 17.7% |
| German American Bank | 24 | 6.563% | $180,000 | 25.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 23 | 6.490% | $295,000 | 11.5% |
| JPMorgan Chase Bank, National Association | 21 | 6.125% | $185,000 | 12.5% |
| Prosperity Home Mortgage, LLC | 21 | 5.990% | $295,000 | 12.5% |
| NATIONSTAR MORTGAGE LLC | 20 | 6.058% | $290,000 | 18.5% |
| First Financial Bank | 18 | 6.375% | $470,000 | 25.0% |
| Central Bank & Trust Company | 17 | 7.500% | $155,000 | 5.6% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 17 | 7.375% | $125,000 | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 16 | 6.125% | $280,000 | 27.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 16 | 6.375% | $270,000 | 23.8% |
| DOMINION FINANCIAL SERVICES, LLC | 15 | 7.500% | $115,000 | 0.0% |
| THE LOAN STORE, INC. | 14 | 6.250% | $250,000 | 27.3% |
| Abound Federal Credit Union | 14 | 6.000% | $320,000 | 6.7% |
| PLANET HOME LENDING, LLC | 14 | 5.990% | $255,000 | 6.7% |
| ROYAL UNITED MORTGAGE LLC | 13 | 6.875% | $135,000 | 16.7% |
| SOUTH CENTRAL BANK, INC. | 13 | 7.250% | $285,000 | 6.7% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 5.990% | $325,000 | 54.2% |
| KIND LENDING, LLC | 12 | 6.625% | $320,000 | 52.0% |
| TRANSCEND Federal Credit Union | 12 | Not published | $355,000 | 12.5% |
| Bank of America, National Association | 12 | 5.740% | $105,000 | 14.3% |
| WesBanco Bank, Inc. | 12 | 7.151% | $220,000 | 27.8% |
| Guardian Savings Bank | 12 | 6.125% | $310,000 | 20.0% |
| Traditional Bank, Inc. | 12 | 6.563% | $270,000 | 7.7% |
| LONGBRIDGE FINANCIAL, LLC | 12 | 6.313% | $120,000 | 0.0% |
| CLASS ACT FEDERAL CREDIT UNION | 11 | Not published | $175,000 | 31.3% |
| Independence Bank of Kentucky | 11 | 7.000% | $255,000 | 14.3% |
| U.S. Bank National Association | 10 | 6.558% | $140,000 | 23.1% |
| Citizens Bank, National Association | 10 | 7.325% | $220,000 | 29.4% |
| The Huntington National Bank | 10 | 6.000% | $155,000 | 21.4% |
| UNION HOME MORTGAGE CORP. | 10 | 5.933% | $295,000 | 16.7% |
| CLEARPATH LENDING | 10 | 5.688% | $225,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Magnolia Bank, Incorporated | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Forcht Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Old National Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FAIR WAY LENDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| First Harrison Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Citizens Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 72.2% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ECLIPSE BANK, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 28.6% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 57.1% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| West Point Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Lincoln National Bank of Hodgenville | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cumberland Valley National Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The New Washington State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Meade County Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Paducah Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Kentucky | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Monticello Banking Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUTOTRUCK FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grandbridge Real Estate Capital LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANZ Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Warsaw Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank of Milton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCN Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Town & Country Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of Lexington, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 41 lenders each made 0 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.