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investment property lenders · HMDA 2023–2025

Investment property lenders in Jefferson County, Kentucky

Fat Boy Data analyzed investment property mortgage activity in Jefferson County, Kentucky to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,472 applications were decided by 267 lenders between 2023 and 2025.

Jefferson County at a glance

267Active lenders38 with 20+ decisions
88.8%Market approval rate3,083 of 3,472 decided
$145KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,938 loans funded

How Jefferson County compares

Approval rate compared
Jefferson County88.8%Kentucky91.3%All 616 counties87.5%
Typical loan compared
Jefferson County$145KKentucky$165KAll 616 counties$255K

What the data shows

River City Bank, Inc. made the most investment property mortgages in Jefferson County, KY, 342 of them.

Independence Bank of Kentucky approved the highest share of applications among lenders with at least 20 decisions here, 100% of 40.

The typical investment property mortgage here is $145K, 12% smaller than the Kentucky typical of $165K.

Approval rate of all 38 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 62% approved of 39University of Kentucky: 64% approved of 22Vanderbilt Mortgage and Finance, Inc.: 65% approved of 20First Harrison Bank: 73% approved of 37Fifth Third Bank, National Association: 73% approved of 41The Huntington National Bank: 74% approved of 27Kind Lending, LLC: 77% approved of 48PNC Bank, National Association: 81% approved of 27First Financial Bank: 83% approved of 29Forcht Bank, National Association: 83% approved of 29JPMorgan Chase Bank, National Association: 85% approved of 46United Wholesale Mortgage, LLC: 85% approved of 306Republic Bank & Trust Company: 86% approved of 69Loan Funder LLC: 86% approved of 21Fairway Independent Mortgage Corporation: 88% approved of 49Kiavi Funding, Inc.: 90% approved of 87Rocket Mortgage, LLC: 90% approved of 89Lower, LLC: 90% approved of 31First Savings Bank: 90% approved of 31Eclipse Bank, Inc.: 91% approved of 34L & N Federal Credit Union: 91% approved of 23Commonwealth Federal Credit Union: 91% approved of 23Stock Yards Bank & Trust Company: 92% approved of 191River City Bank, Inc.: 93% approved of 445The Loan Store, Inc.: 93% approved of 72Liberty Credit Union: 93% approved of 59Northpointe Bank: 93% approved of 134Interlinc Mortgage Services, LLC: 94% approved of 34South Central Bank, Inc.: 94% approved of 34German American Bank: 95% approved of 20Park Federal Credit Union: 95% approved of 88Ruoff Mortgage Company, Inc.: 96% approved of 25Crosscountry Mortgage, LLC: 97% approved of 37Wilson & Muir Bank & Trust Company: 99% approved of 95Independence Bank of Kentucky: 100% approved of 40Magnolia Bank, Incorporated: 100% approved of 34United Citizens Bank & Trust Company: 100% approved of 24American Heritage Lending, LLC: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property lenders in Jefferson County

LenderApprovalApprovedTaken upTypical loanLoans made
1River City Bank, Inc.93%412 / 44583%$145K342
2United Wholesale Mortgage, LLCBroker only85%261 / 30699%$145K258
3Stock Yards Bank & Trust Company92%175 / 19199%$195K173
4Northpointe Bank93%125 / 134100%$165K125
5Wilson & Muir Bank & Trust Company99%94 / 95100%$145K94

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

Fat Boy found 262 more lenders.

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Other lending data for Jefferson County

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Nearby markets

All lending in Jefferson CountyCounty overviewInvestment property purchase across KentuckyStatewideHardin CountyNearby county