Refinancing lenders in Boyd County
154 refinancing mortgages were made in Boyd County, Kentucky, in 2025, by 44 lenders. The median rate their borrowers got was 6.500% on a median loan of $120,000. Of 204 decisions, 42 were denials — 20.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| City National Bank of West Virginia | 23 | 6.550% | $65,000 | 27.8% |
| MEMBERS CHOICE | 20 | Not published | $125,000 | 20.7% |
| Kentucky Farmers Bank Corporation | 13 | Not published | $95,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 5.812% | $210,000 | 7.7% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Fifth Third Bank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Community Trust Bank, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DESCO | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Rocket Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| The Commercial Bank of Grayson | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CITIZENS BANK OF KENTUCKY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Grayson Bancorp, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Exchange Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBERS CHOICE | 0 | Under 10 loans | Under 10 loans | Not published |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.