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refinance lenders · HMDA 2023–2025

Refinance lenders in Kenton County, Kentucky

Fat Boy Data analyzed mortgage refinance activity in Kenton County, Kentucky, home to Covington, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,056 applications were decided by 150 lenders between 2023 and 2025.

Kenton County at a glance

150Active lenders22 with 20+ decisions
80.3%Market approval rate1,651 of 2,056 decided
$155KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,555 loans funded

How Kenton County compares

Approval rate compared
Kenton County80.3%Kentucky81.3%All 616 counties76.5%
Typical loan compared
Kenton County$155KKentucky$125KAll 616 counties$295K

What the data shows

Fifth Third Bank, National Association made the most mortgage refinances in Kenton County, KY, 194 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 59.

The typical mortgage refinance here is $155K, 24% larger than the Kentucky typical of $125K.

Approval rate of all 22 lenders with 20+ decisions here
0%25%50%75%100%One lender: 27% approved of 44One lender: 48% approved of 27One lender: 50% approved of 22One lender: 63% approved of 93One lender: 72% approved of 29One lender: 73% approved of 30The Huntington National Bank: 75% approved of 267One lender: 75% approved of 67One lender: 79% approved of 71Fifth Third Bank, National Association: 79% approved of 256One lender: 84% approved of 67Guardian Savings Bank: 84% approved of 100Rocket Mortgage, LLC: 85% approved of 96One lender: 86% approved of 29One lender: 88% approved of 41United Wholesale Mortgage, LLC: 90% approved of 115One lender: 90% approved of 21One lender: 91% approved of 22One lender: 96% approved of 48One lender: 96% approved of 28One lender: 98% approved of 56One lender: 100% approved of 59

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.

Refinance lenders in Kenton County

LenderApprovalApprovedTaken upTypical loanLoans made
1The Huntington National Bank75%199 / 26792%$125K183
2Fifth Third Bank, National Association79%202 / 25696%$105K194
3United Wholesale Mortgage, LLCBroker only90%104 / 11597%$275K101
4Guardian Savings Bank84%84 / 10095%$255K80
5Rocket Mortgage, LLC85%82 / 9691%$195K75

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 145 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Kenton 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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