Mortgage lenders in Jefferson County
19,415 mortgages were made in Jefferson County, Kentucky, in 2025, by 469 lenders. The median rate their borrowers got was 6.625% on a median loan of $195,000. Of 25,106 decisions, 4,871 were denials — 19.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,851 | 6.625% | $225,000 | 10.4% |
| Rocket Mortgage, LLC | 1,111 | 6.750% | $175,000 | 18.4% |
| Stock Yards Bank & Trust Company | 1,012 | 6.500% | $175,000 | 20.8% |
| PNC Bank, National Association | 919 | 7.000% | $105,000 | 24.6% |
| First Financial Bank | 834 | 5.990% | $165,000 | 12.9% |
| Republic Bank & Trust Company | 782 | 5.990% | $125,000 | 11.4% |
| Fifth Third Bank, National Association | 749 | 7.750% | $105,000 | 30.6% |
| Northpointe Bank | 646 | 6.875% | $215,000 | 12.3% |
| L & N Federal Credit Union | 607 | 7.000% | $105,000 | 9.0% |
| U.S. Bank National Association | 602 | 7.250% | $195,000 | 29.9% |
| Fairway Independent Mortgage Corporation | 295 | 6.625% | $235,000 | 14.5% |
| Park Federal Credit Union | 278 | 7.500% | $105,000 | 19.7% |
| Truist Bank | 268 | 6.600% | $165,000 | 41.3% |
| JPMorgan Chase Bank, National Association | 262 | 6.490% | $195,000 | 12.9% |
| INTERLINC MORTGAGE SERVICES, LLC | 254 | 6.750% | $255,000 | 2.7% |
| THE LOAN STORE, INC. | 246 | 6.625% | $235,000 | 11.0% |
| COMMONWEALTH | 232 | 7.250% | $100,000 | 34.5% |
| STOCKTON MORTGAGE CORPORATION | 222 | 6.500% | $255,000 | 8.2% |
| FREEDOM MORTGAGE CORPORATION | 217 | 6.250% | $255,000 | 19.1% |
| River City Bank, Inc. | 200 | Not published | $155,000 | 10.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 199 | 6.875% | $255,000 | 6.9% |
| Liberty | 199 | 6.750% | $265,000 | 8.7% |
| Magnolia Bank, Incorporated | 177 | 6.625% | $225,000 | 5.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 165 | 6.000% | $355,000 | 31.6% |
| PENNYMAC LOAN SERVICES, LLC | 161 | 6.375% | $205,000 | 13.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 159 | 6.375% | $365,000 | 8.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 148 | 6.625% | $225,000 | 2.6% |
| German American Bank | 146 | 0.000% | $145,000 | 24.1% |
| Prosperity Home Mortgage, LLC | 140 | 6.500% | $255,000 | 8.5% |
| UNIVERSITY OF KENTUCKY | 138 | 7.000% | $125,000 | 24.8% |
| LOWER, LLC | 136 | 6.625% | $275,000 | 8.0% |
| KIND LENDING, LLC | 134 | 6.750% | $250,000 | 30.6% |
| Mortgage Research Center, LLC | 133 | 6.250% | $255,000 | 38.3% |
| Abound Federal Credit Union | 133 | 6.250% | $255,000 | 14.7% |
| Wilson & Muir Bank & Trust Company | 133 | Not published | $225,000 | 0.0% |
| MM LENDING, LLC | 128 | 12.000% | $145,000 | 0.0% |
| Broker Solutions, Inc. | 126 | 6.875% | $200,000 | 22.9% |
| NATIONSTAR MORTGAGE LLC | 124 | 8.063% | $85,000 | 15.1% |
| PULTE MORTGAGE LLC | 118 | 5.500% | $365,000 | 16.8% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 112 | 6.625% | $245,000 | 0.0% |
| CLASS ACT FEDERAL CREDIT UNION | 111 | Not published | $75,000 | 14.6% |
| UNION HOME MORTGAGE CORP. | 110 | 6.625% | $315,000 | 8.3% |
| AmeriSave Mortgage Corporation | 105 | 7.250% | $135,000 | 61.8% |
| Paramount Residential Mortgage Group, Inc. | 105 | 6.625% | $275,000 | 5.4% |
| Loandepot.Com, LLC | 96 | 6.990% | $95,000 | 30.3% |
| NEWREZ LLC | 94 | 6.750% | $175,000 | 37.9% |
| Navy Federal Credit Union | 92 | 7.500% | $125,000 | 34.7% |
| Bank of America, National Association | 92 | 6.125% | $185,000 | 34.5% |
| MOVEMENT MORTGAGE, LLC | 89 | 6.750% | $225,000 | 0.0% |
| Central Bank & Trust Company | 89 | 7.500% | $125,000 | 10.5% |
| EVERETT FINANCIAL, INC. | 88 | 6.250% | $195,000 | 2.2% |
| VICTORY MORTGAGE, L.L.C. | 87 | 5.625% | $355,000 | 4.4% |
| Old National Bank | 82 | 6.250% | $195,000 | 24.8% |
| BAY EQUITY LLC | 77 | 6.750% | $195,000 | 1.3% |
| SOUTH CENTRAL BANK, INC. | 76 | 7.000% | $205,000 | 7.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 76 | 6.625% | $225,000 | 1.3% |
| PLAZA HOME MORTGAGE, INC. | 75 | 6.625% | $225,000 | 12.5% |
| The Huntington National Bank | 74 | 6.995% | $175,000 | 21.0% |
| Guardian Savings Bank | 67 | 6.750% | $315,000 | 13.8% |
| EMM LOANS LLC | 66 | 6.250% | $215,000 | 16.3% |
| Kiavi Funding, Inc. | 65 | 8.375% | $145,000 | 13.2% |
| Traditional Bank, Inc. | 65 | 6.500% | $235,000 | 8.3% |
| WesBanco Bank, Inc. | 63 | 3.990% | $205,000 | 19.8% |
| SPRING EQ, LLC | 60 | 9.550% | $55,000 | 61.9% |
| Independence Bank of Kentucky | 60 | 7.000% | $210,000 | 12.5% |
| Coastal Community Bank | 59 | 10.740% | $45,000 | 0.5% |
| Peoples Bank | 57 | 6.875% | $115,000 | 25.9% |
| T2 FINANCIAL LLC | 55 | 6.875% | $245,000 | 5.2% |
| GUARANTEED RATE, INC. | 54 | 6.638% | $255,000 | 11.5% |
| FIGURE LENDING LLC | 53 | 9.150% | $45,000 | 28.6% |
| Citizens Bank, National Association | 53 | 7.650% | $95,000 | 33.7% |
| CMG MORTGAGE, INC. | 52 | 6.625% | $225,000 | 6.7% |
| Texana Bank, National Association | 48 | 6.688% | $275,000 | 0.0% |
| TRANSCEND Federal Credit Union | 48 | Not published | $295,000 | 8.1% |
| A&D Mortgage LLC | 47 | 6.750% | $305,000 | 15.8% |
| Click n' Close, Inc. | 39 | 7.500% | $165,000 | 18.8% |
| ENVOY MORTGAGE, LTD | 39 | 6.625% | $255,000 | 11.4% |
| AMERICAN HERITAGE LENDING, LLC | 39 | 7.125% | $155,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 39 | 5.500% | $315,000 | 20.0% |
| Forcht Bank, National Association | 39 | 6.750% | $165,000 | 9.3% |
| DOMINION FINANCIAL SERVICES, LLC | 36 | 7.625% | $110,000 | 0.0% |
| Equity Prime Mortgage LLC | 35 | 6.625% | $235,000 | 12.5% |
| DEEPHAVEN MORTGAGE LLC | 35 | 6.990% | $185,000 | 27.1% |
| THE MORTGAGE WAREHOUSE,LLC | 35 | 6.375% | $225,000 | 2.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 34 | 6.433% | $195,000 | 24.5% |
| ECLIPSE BANK, INC. | 34 | Not published | $255,000 | 8.1% |
| First Harrison Bank | 34 | 6.985% | $170,000 | 10.5% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 34 | 7.375% | $115,000 | 2.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 33 | 10.090% | $105,000 | 7.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 32 | 6.500% | $230,000 | 8.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 31 | 6.625% | $175,000 | 56.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 31 | 7.125% | $175,000 | 23.8% |
| Lendage, LLC | 31 | 11.000% | $55,000 | 23.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 31 | 6.500% | $265,000 | 13.9% |
| 21st Mortgage Corporation | 30 | 11.370% | $50,000 | 68.4% |
| LAKEVIEW LOAN SERVICING, LLC | 28 | 6.750% | $170,000 | 58.3% |
| The Dart Bank | 28 | 6.500% | $300,000 | 9.4% |
| Wells Fargo Bank, National Association | 27 | 6.375% | $195,000 | 37.8% |
| USAA Federal Savings Bank | 27 | 6.500% | $285,000 | 31.7% |
| The Park National Bank | 27 | 6.875% | $165,000 | 30.0% |
| Mortgage Right | 27 | 6.625% | $265,000 | 3.6% |
| First National Bank of America | 27 | 8.740% | $155,000 | 15.6% |
| PLANET HOME LENDING, LLC | 27 | 6.250% | $255,000 | 10.0% |
| GUILD MORTGAGE COMPANY | 26 | 6.313% | $185,000 | 0.0% |
| ADVANZ Federal Credit Union | 26 | 6.975% | $85,000 | 3.6% |
| ZILLOW HOME LOANS, LLC | 24 | 6.563% | $225,000 | 14.3% |
| Plains Commerce Bank | 24 | 6.750% | $310,000 | 11.1% |
| FAIR WAY LENDING LLC | 24 | 6.500% | $250,000 | 11.1% |
| Discover Bank | 23 | 8.500% | $55,000 | 78.3% |
| BETTER MORTGAGE CORPORATION | 23 | 6.625% | $225,000 | 39.1% |
| NEW DAY FINANCIAL, LLC | 22 | 7.188% | $240,000 | 61.3% |
| Centra Credit Union | 21 | 6.500% | $145,000 | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 20 | 7.625% | $210,000 | 16.7% |
| Morgan Stanley Private Bank, National Association | 20 | 5.925% | $545,000 | 4.8% |
| NBKC BANK | 19 | 6.250% | $365,000 | 13.6% |
| United Citizens Bank & Trust Company | 19 | Not published | $155,000 | 4.2% |
| Third Federal Savings and Loan Association of Cleveland | 17 | 6.990% | $105,000 | 30.8% |
| AMWEST FUNDING CORP. | 17 | 7.000% | $185,000 | 10.5% |
| LONGBRIDGE FINANCIAL, LLC | 17 | 6.250% | $115,000 | 0.0% |
| PREMIER LENDING, INC. | 17 | 6.500% | $205,000 | 0.0% |
| OCMBC, INC. | 16 | 6.563% | $205,000 | 25.9% |
| PENTAGON FEDERAL CREDIT UNION | 16 | 7.875% | $85,000 | 40.7% |
| PHH Mortgage Corporation | 16 | 6.750% | $150,000 | 0.0% |
| ALLIANT CREDIT UNION | 16 | 7.500% | $155,000 | 37.0% |
| Pinnacle Bank | 16 | 6.125% | $345,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 15 | 6.375% | $275,000 | 51.6% |
| Regions Bank | 15 | 4.990% | $225,000 | 51.5% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 15 | 5.875% | $155,000 | 15.8% |
| RUOFF MORTGAGE COMPANY, INC. | 15 | 6.875% | $265,000 | 10.5% |
| BPL MORTGAGE TRUST, LLC | 15 | 7.250% | $155,000 | 21.1% |
| AUTOTRUCK FINANCIAL CREDIT UNION | 15 | 7.500% | $55,000 | 11.8% |
| 254900CTT87ZKAUTIJ37 | 14 | 7.750% | $95,000 | 17.7% |
| CANOPY MORTGAGE, LLC | 14 | 6.875% | $235,000 | 0.0% |
| Park Lane Finance Solutions, LLC | 13 | 11.490% | $65,000 | 27.3% |
| The Federal Savings Bank | 13 | 6.500% | $245,000 | 23.5% |
| ROYAL UNITED MORTGAGE LLC | 13 | 6.875% | $135,000 | 16.7% |
| Raymond James Bank | 13 | 5.500% | $775,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 12 | 7.688% | $125,000 | 50.0% |
| Flagstar Bank, N.A. | 12 | 6.563% | $235,000 | 27.8% |
| Ixonia Bank | 11 | 8.250% | $195,000 | 21.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.995% | $405,000 | 12.5% |
| CLEARPATH LENDING | 11 | 5.750% | $225,000 | 8.3% |
| West Point Bank | 11 | Not published | $185,000 | 8.3% |
| Community Trust Bank, Inc. | 11 | 6.250% | $255,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.750% | $245,000 | 34.7% |
| SECURITYNATIONAL MORTGAGE COMPANY | 10 | 6.563% | $190,000 | 47.4% |
| First Federal Bank | 10 | 6.063% | $360,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.500% | $200,000 | 8.3% |
| CHURCHILL MORTGAGE CORPORATION | 10 | 6.500% | $155,000 | 0.0% |
| Meade County Bank | 10 | Not published | $290,000 | 9.1% |
| SOUTHWEST FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| First Savings Bank | 9 | Under 10 loans | Under 10 loans | 30.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cumberland Valley National Bank & Trust Company | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 46.7% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| CONSTRUCTIVE LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The New Washington State Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| DIGITAL | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Florida Capital Bank, National Association | 7 | Under 10 loans | Under 10 loans | 10.0% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Lincoln National Bank of Hodgenville | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 6 | Under 10 loans | Under 10 loans | 68.4% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Peoples Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 14.3% |
| INDIANA MEMBERS CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 8.3% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Monticello Banking Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 269 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Jefferson County
195 FDIC-insured branches from 28 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Republic Bank & Trust Company, 5320 Dixie Hwy, Louisville
- Traditional Bank, Inc., 400 Blankenbaker Pkwy, Suite 100, Louisville
- WesBanco Bank, Inc., 4510 Shelbyville Rd, Louisville
Get told when this changes
When the next year’s lending figures are out for Jefferson County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.