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investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in Jefferson County, Kentucky

Fat Boy Data analyzed investment cash-out refinance activity in Jefferson County, Kentucky, home to Louisville, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 987 applications were decided by 144 lenders between 2023 and 2025.

Jefferson County at a glance

144Active lenders8 with 20+ decisions
76.4%Market approval rate754 of 987 decided
$135KTypical loanmedian lender, $10K brackets
94%Borrower take-up705 loans funded

How Jefferson County compares

Approval rate compared
Jefferson County76.4%Kentucky79.4%All 616 counties73.1%
Typical loan compared
Jefferson County$135KKentucky$145KAll 616 counties$205K

What the data shows

Northpointe Bank made the most investment cash-out refinances in Jefferson County, KY, 96 of them.

American Heritage Lending, LLC approved the highest share of applications among lenders with at least 20 decisions here, 96% of 45.

Approval rate of all 8 lenders with 20+ decisions here
0%25%50%75%100%One lender: 26% approved of 23One lender: 31% approved of 29One lender: 70% approved of 23United Wholesale Mortgage, LLC: 76% approved of 135Northpointe Bank: 91% approved of 109Park Federal Credit Union: 91% approved of 58American Heritage Lending, LLC: 96% approved of 45Dominion Financial Services, LLC: 100% approved of 37

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Investment property cash-out lenders in Jefferson County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only76%102 / 13599%$115K101
2Northpointe Bank91%99 / 10997%$135K96
3Park Federal Credit Union91%53 / 58100%$145K53
4American Heritage Lending, LLC96%43 / 4579%$145K34
5Dominion Financial Services, LLCBroker only100%37 / 3762%$105K23

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 139 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment cash-out refinance lenders in Jefferson County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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