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refinance lenders · HMDA 2023–2025

Refinance lenders in Boone County, Kentucky

Fat Boy Data analyzed mortgage refinance activity in Boone 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. 1,746 applications were decided by 143 lenders between 2023 and 2025.

Boone County at a glance

143Active lenders20 with 20+ decisions
82.1%Market approval rate1,434 of 1,746 decided
$195KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,357 loans funded

How Boone County compares

Approval rate compared
Boone County82.1%Kentucky81.3%All 616 counties76.5%
Typical loan compared
Boone County$195KKentucky$125KAll 616 counties$295K

What the data shows

Fifth Third Bank, National Association made the most mortgage refinances in Boone County, KY, 199 of them.

Central Bank & Trust Co. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 30.

The typical mortgage refinance here is $195K, 56% larger than the Kentucky typical of $125K.

Approval rate of all 20 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 29% approved of 28Newrez LLC: 55% approved of 22Lakeview Loan Servicing, LLC: 57% approved of 23Truist Bank: 65% approved of 63Mortgage Research Center, LLC: 68% approved of 22Third Federal Savings And Loan Association Of Cleveland: 69% approved of 67The Huntington National Bank: 76% approved of 166Fifth Third Bank, National Association: 82% approved of 249Rocket Mortgage, LLC: 83% approved of 81PNC Bank, National Association: 84% approved of 57United Wholesale Mortgage, LLC: 87% approved of 107Pennymac Loan Services, LLC: 87% approved of 31U.S. Bank National Association: 88% approved of 41Heritage Bank, Inc.: 90% approved of 59L & N Federal Credit Union: 90% approved of 20Guardian Savings Bank: 92% approved of 88Union Home Mortgage Corp.: 94% approved of 36Union Savings Bank: 95% approved of 20Freedom Mortgage Corporation: 97% approved of 69Central Bank & Trust Co.: 100% approved of 30

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

Refinance lenders in Boone County

LenderApprovalApprovedTaken upTypical loanLoans made
1Fifth Third Bank, National Association82%205 / 24997%$105K199
2The Huntington National Bank76%126 / 16693%$135K117
3United Wholesale Mortgage, LLCBroker only87%93 / 10797%$345K90
4Guardian Savings Bank92%81 / 8899%$275K80
5Rocket Mortgage, LLC83%67 / 8196%$265K64

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 138 more lenders.

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Other lending data for Boone County

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Nearby markets

All lending in Boone CountyCounty overviewRefinance across KentuckyStatewide