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refinance lenders · HMDA 2023–2025

Refinance lenders in Jefferson County, Kentucky

Fat Boy Data analyzed mortgage 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. 6,936 applications were decided by 220 lenders between 2023 and 2025.

Jefferson County at a glance

220Active lenders56 with 20+ decisions
80.0%Market approval rate5,547 of 6,936 decided
$135KTypical loanmedian lender, $10K brackets
94%Borrower take-up5,234 loans funded

How Jefferson County compares

Approval rate compared
Jefferson County80.0%Kentucky81.3%All 616 counties76.5%
Typical loan compared
Jefferson County$135KKentucky$125KAll 616 counties$295K

What the data shows

PNC Bank, National Association made the most mortgage refinances in Jefferson County, KY, 740 of them.

Crosscountry Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 98% of 41.

Approval rate of all 56 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 27% approved of 114Amerisave Mortgage Corporation: 38% approved of 21Lakeview Loan Servicing, LLC: 45% approved of 116Kind Lending, LLC: 59% approved of 34Commonwealth Federal Credit Union: 61% approved of 49Citizens Bank, National Association: 61% approved of 31WesBanco Bank, Inc.: 62% approved of 26Truist Bank: 63% approved of 245Third Federal Savings And Loan Association Of Cleveland: 64% approved of 22Mortgage Research Center, LLC: 67% approved of 67U.S. Bank National Association: 68% approved of 68Bank of America, National Association: 69% approved of 29First Financial Bank: 70% approved of 40Newrez LLC: 73% approved of 55River City Bank, Inc.: 73% approved of 33The Huntington National Bank: 74% approved of 27Park Federal Credit Union: 74% approved of 31Northpointe Bank: 75% approved of 106University of Kentucky: 75% approved of 150Amerihome Mortgage Company, LLC: 76% approved of 25Fifth Third Bank, National Association: 76% approved of 632Old National Bank: 78% approved of 45Eclipse Bank, Inc.: 78% approved of 23Guardian Savings Bank: 78% approved of 23German American Bank: 79% approved of 81Emm Loans LLC: 80% approved of 20Royal United Mortgage LLC: 80% approved of 66Republic Bank & Trust Company: 81% approved of 62Rocket Mortgage, LLC: 81% approved of 342TRANSCEND Federal Credit Union: 81% approved of 27PNC Bank, National Association: 82% approved of 948Stock Yards Bank & Trust Company: 82% approved of 444Liberty Credit Union: 82% approved of 28Class Act Federal Credit Union: 83% approved of 58Stockton Mortgage Corporation: 84% approved of 37Nationstar Mortgage LLC: 85% approved of 39The Loan Store, Inc.: 87% approved of 23United Wholesale Mortgage, LLC: 88% approved of 542Independence Bank of Kentucky: 88% approved of 26Endeavor Capital, LLC.: 89% approved of 37Planet Home Lending, LLC: 89% approved of 28Pennymac Loan Services, LLC: 89% approved of 113Village Capital & Investment LLC: 89% approved of 57Interlinc Mortgage Services, LLC: 89% approved of 38Central Bank & Trust Co.: 91% approved of 74L & N Federal Credit Union: 91% approved of 471Fairway Independent Mortgage Corporation: 92% approved of 61Provident Funding Associates, L.P.: 92% approved of 64JPMorgan Chase Bank, National Association: 92% approved of 52Mutual of Omaha Mortgage, Inc.: 93% approved of 27Prosperity Home Mortgage, LLC: 93% approved of 29Freedom Mortgage Corporation: 94% approved of 245Wilson & Muir Bank & Trust Company: 96% approved of 28South Central Bank, Inc.: 96% approved of 28Longbridge Financial, LLC: 97% approved of 29Crosscountry Mortgage, LLC: 98% approved of 41

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

Refinance lenders in Jefferson County

LenderApprovalApprovedTaken upTypical loanLoans made
1PNC Bank, National Association82%776 / 94895%$105K740
2Fifth Third Bank, National Association76%483 / 63297%$105K467
3United Wholesale Mortgage, LLCBroker only88%479 / 54296%$295K462
4L & N Federal Credit Union91%429 / 47198%$65K420
5Stock Yards Bank & Trust Company82%364 / 44497%$125K354

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 215 more lenders.

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Other lending data for Jefferson County

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Nearby markets

All lending in Jefferson CountyCounty overviewRefinance across KentuckyStatewideHardin CountyNearby county