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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Jefferson County, Kentucky

Fat Boy Data analyzed investment property refinance 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. 1,223 applications were decided by 129 lenders between 2023 and 2025.

Jefferson County at a glance

129Active lenders16 with 20+ decisions
81.9%Market approval rate1,002 of 1,223 decided
$145KTypical loanmedian lender, $10K brackets
95%Borrower take-up952 loans funded

How Jefferson County compares

Approval rate compared
Jefferson County81.9%Kentucky86.2%All 616 counties77.7%
Typical loan compared
Jefferson County$145KKentucky$155KAll 616 counties$235K

What the data shows

Stock Yards Bank & Trust Company made the most investment property refinances in Jefferson County, KY, 84 of them.

Wilson & Muir Bank & Trust Company approved the highest share of applications among lenders with at least 20 decisions here, 100% of 52.

Approval rate of all 16 lenders with 20+ decisions here
0%25%50%75%100%Fifth Third Bank, National Association: 25% approved of 32First Harrison Bank: 61% approved of 23United Wholesale Mortgage, LLC: 71% approved of 70Kiavi Funding, Inc.: 74% approved of 66University of Kentucky: 83% approved of 41River City Bank, Inc.: 87% approved of 75Eclipse Bank, Inc.: 88% approved of 25Stock Yards Bank & Trust Company: 92% approved of 95Northpointe Bank: 92% approved of 72Commonwealth Federal Credit Union: 92% approved of 61United Citizens Bank & Trust Company: 95% approved of 22Park Federal Credit Union: 98% approved of 44Wilson & Muir Bank & Trust Company: 100% approved of 52Liberty Credit Union: 100% approved of 47Dominion Financial Services, LLC: 100% approved of 32Independence Bank of Kentucky: 100% approved of 22

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

Investment property refinance lenders in Jefferson County

LenderApprovalApprovedTaken upTypical loanLoans made
1Stock Yards Bank & Trust Company92%87 / 9597%$155K84
2River City Bank, Inc.87%65 / 7594%$125K61
3Northpointe Bank92%66 / 7295%$125K63
4United Wholesale Mortgage, LLCBroker only71%50 / 7098%$155K49
5Kiavi Funding, Inc.74%49 / 66100%$125K49

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 124 more lenders.

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You are seeing the 5 largest investment property refinance lenders in Jefferson County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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