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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Kentucky

Fat Boy Data analyzed investment property 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. 2,566 applications were decided by 208 lenders between 2023 and 2025.

Kentucky at a glance

208Active lenders36 with 20+ decisions
86.2%Market approval rate2,213 of 2,566 decided
$155KTypical loanmedian lender, $10K brackets
96%Borrower take-up2,125 loans funded

How Kentucky compares

Approval rate compared
Kentucky86.2%All 616 counties77.7%
Typical loan compared
Kentucky$155KAll 616 counties$235K

What the data shows

Commonwealth Federal Credit Union made the most investment property refinances in Kentucky, 154 of them.

American Bank & Trust Company, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 98.

Lenders approved 86.2% of investment property refinance applications in Kentucky, 8.5 percentage points above the the United States rate of 77.7%.

The typical investment property refinance here is $155K, 34% smaller than the the United States typical of $235K.

Approval rate of all 36 lenders with 20+ decisions here
0%25%50%75%100%Fifth Third Bank, National Association: 37% approved of 62Truist Bank: 40% approved of 20First Harrison Bank: 61% approved of 23Republic Bank & Trust Company: 67% approved of 27University of Kentucky: 74% approved of 102United Wholesale Mortgage, LLC: 74% approved of 93Kiavi Funding, Inc.: 75% approved of 117Forcht Bank, National Association: 82% approved of 22German American Bank: 85% approved of 33River City Bank, Inc.: 87% approved of 76Eclipse Bank, Inc.: 88% approved of 25Bank of the Bluegrass and Trust Company: 90% approved of 30Northpointe Bank: 91% approved of 81Temple View Capital Funding, Lp: 93% approved of 28Stock Yards Bank & Trust Company: 93% approved of 113Commonwealth Federal Credit Union: 93% approved of 166Peoples Exchange Bank: 95% approved of 39United Citizens Bank & Trust Company: 95% approved of 22Bank of Lexington, Inc.: 96% approved of 45Magnolia Bank, Incorporated: 96% approved of 25West Point Bank: 98% approved of 40Park Federal Credit Union: 98% approved of 47American Bank & Trust Company, Inc.: 100% approved of 98Wilson & Muir Bank & Trust Company: 100% approved of 72Traditional Bank, Inc.: 100% approved of 70South Central Bank, Inc.: 100% approved of 57Independence Bank of Kentucky: 100% approved of 55Liberty Credit Union: 100% approved of 53Dominion Financial Services, LLC: 100% approved of 40First Southern National Bank: 100% approved of 34Morgantown Bank & Trust Company, Incorporated: 100% approved of 29Central Bank & Trust Co.: 100% approved of 25The Monticello Banking Company: 100% approved of 24City National Bank of West Virginia: 100% approved of 21Franklin Bank & Trust Company: 100% approved of 21Abound Federal Credit Union: 100% approved of 20

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

Investment property refinance lenders in Kentucky

LenderApprovalApprovedTaken upTypical loanLoans made
1Commonwealth Federal Credit Union93%155 / 16699%$185K154
2Kiavi Funding, Inc.75%88 / 11799%$125K87
3Stock Yards Bank & Trust Company93%105 / 11397%$155K102
4University of Kentucky74%75 / 10293%$175K70
5American Bank & Trust Company, Inc.100%98 / 98100%$85K98

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 203 more lenders.

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Other lending data for Kentucky

Counties in Kentucky