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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Kentucky

Fat Boy Data analyzed cash-out refinance activity in 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. 19,298 applications were decided by 318 lenders between 2023 and 2025.

Kentucky at a glance

318Active lenders89 with 20+ decisions
71.6%Market approval rate13,809 of 19,298 decided
$135KTypical loanmedian lender, $10K brackets
96%Borrower take-up13,246 loans funded

How Kentucky compares

Approval rate compared
Kentucky71.6%All 616 counties68.2%
Typical loan compared
Kentucky$135KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Kentucky, 2,869 of them.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 98% of 52.

The typical cash-out refinance here is $135K, 13% smaller than the the United States typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 18% approved of 296Amerisave Mortgage Corporation: 32% approved of 1,232Spring Eq, LLC: 41% approved of 73New Day Financial, LLC: 41% approved of 413Carrington Mortgage Services, LLC: 42% approved of 515Lakeview Loan Servicing, LLC: 43% approved of 199American Financing Corporation: 44% approved of 101Village Capital & Investment LLC: 49% approved of 136Advantagefirst Lending Inc.: 51% approved of 61Newrez LLC: 54% approved of 494New American Funding, LLC: 58% approved of 172Wells Fargo Bank, National Association: 59% approved of 133Navy Federal Credit Union: 62% approved of 112Loandepot.Com, LLC: 62% approved of 404Planet Home Lending, LLC: 62% approved of 40Stock Yards Bank & Trust Company: 65% approved of 62First Financial Bank: 66% approved of 327Flagstar Bank, National Association: 68% approved of 81Prosperity Home Mortgage, LLC: 68% approved of 75Ruoff Mortgage Company, Inc.: 68% approved of 69Mutual of Omaha Mortgage, Inc.: 69% approved of 175Freedom Mortgage Corporation: 70% approved of 644South Central Bank, Inc.: 71% approved of 79Lower, LLC: 71% approved of 69Pennymac Loan Services, LLC: 72% approved of 347Central Bank & Trust Co.: 73% approved of 37Ark-La-Tex Financial Services, LLC.: 73% approved of 56Commonwealth Federal Credit Union: 74% approved of 231Stockton Mortgage Corporation: 74% approved of 170U.S. Bank National Association: 76% approved of 380Truist Bank: 76% approved of 100Fifth Third Bank, National Association: 76% approved of 292The Federal Savings Bank: 78% approved of 120Onity Mortgage Corporation: 78% approved of 45Abound Federal Credit Union: 79% approved of 417United Wholesale Mortgage, LLC: 80% approved of 942Rocket Mortgage, LLC: 80% approved of 3,669Guardian Savings Bank: 81% approved of 288Equity Prime Mortgage LLC: 81% approved of 57PNC Bank, National Association: 81% approved of 132Park Federal Credit Union: 81% approved of 261Top Flite Financial, Inc.: 82% approved of 60Peoples Bank: 82% approved of 71Nationstar Mortgage LLC: 83% approved of 328The Huntington National Bank: 83% approved of 463Cinfed Federal Credit Union: 84% approved of 49JPMorgan Chase Bank, National Association: 84% approved of 254Crosscountry Mortgage, LLC: 84% approved of 119L & N Federal Credit Union: 84% approved of 273Union Home Mortgage Corp.: 84% approved of 51Northpointe Bank: 86% approved of 212Magnolia Bank, Incorporated: 87% approved of 68Republic Bank & Trust Company: 87% approved of 606General Electric Credit Union: 90% approved of 115Cardinal Financial Company, Limited Partnership: 90% approved of 41Liberty Credit Union: 91% approved of 982The Cecilian Bank: 93% approved of 126Class Act Federal Credit Union: 96% approved of 93Reliance First Capital, LLC: 98% approved of 52Coastal Community Bank: 98% approved of 56

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

Cash-out refinance lenders in Kentucky

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%2,953 / 3,66997%$135K2,869
2Amerisave Mortgage Corporation32%395 / 1,23297%$105K384
3Liberty Credit Union91%894 / 98299%$55K883
4United Wholesale Mortgage, LLCBroker only80%756 / 94296%$195K727
5Freedom Mortgage Corporation70%449 / 64495%$195K427

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 313 more lenders.

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Other lending data for Kentucky

Mortgage lenders in KentuckyHome improvement loans in KentuckyRefinance in KentuckyInvestment property purchase in KentuckyInvestment cash-out refinance in KentuckyInvestment refinance in KentuckyInvestment home improvement in Kentucky

Counties in Kentucky

Jefferson CountyCountyFayette CountyCountyKenton CountyCountyBoone CountyCountyWarren CountyCountyHardin CountyCountyDaviess CountyCounty