The Lenders Community Survey gathers homeowners feedback and 106 lenders recommendations for Kentucky home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 17, 2025
<< Human Powered Recommendations >>
Kentucky Top Lenders for Home Refinance Loans
Louisville, Lexington-Fayette, Bowling Green, Owensboro, Covington, Georgetown, Richmond, Elizabethtown, Florence, Nicholasville, Online lenders.
Recommendations are gathered from 1,008 local Kentuckians members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Kentucky Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Kentucky Homeowners.
Louisville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Louisville’s area are Traditional Bank, Raymond James Bank and Park Community Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Traditional Bank | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| Raymond James Bank | Bank | 4.0 | 4.5 | 4.5 | 93% |
| Park Community Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 92% |
| L&N Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 90% |
| Commonwealth Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 89% |
| Central Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Abound Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 87% |
| Greater Kentucky Credit Union | Credit Union | 3.5 | 4.0 | 3.5 | 85% |
| University of Kentucky FCU | Credit Union | 3.5 | 3.5 | 4.0 | 84% |
| Service One Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 82% |
| Members Heritage Credit Union | Credit Union | 3.0 | 3.5 | 3.5 | 80% |
| Ashland Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 78% |
| Cove Federal Credit Union | Credit Union | 3.0 | 3.0 | 3.0 | 75% |
| FourLeaf Federal Credit Union | Credit Union | 2.5 | 3.0 | 3.0 | 72% |
| HSBC Bank | Bank | 2.5 | 2.5 | 3.0 | 70% |
Lexington-Fayette Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lexington-Fayette’s area are Central Bank, University of Kentucky FCU and Commonwealth Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Central Bank | Bank | 4.5 | 4.5 | 4.5 | 96% |
| University of Kentucky FCU | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Commonwealth Credit Union | Credit Union | 4.5 | 4.5 | 4.0 | 94% |
| Traditional Bank | Community Bank | 4.0 | 4.5 | 4.5 | 93% |
| Park Community Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 92% |
| Forcht Bank | Community Bank | 4.0 | 4.0 | 4.5 | 90% |
| Republic Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| L&N Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 87% |
| Kentucky Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Citizens Union Bank | Bank | 3.5 | 3.5 | 4.0 | 84% |
| Abound Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 82% |
| First Federal Savings Bank | Bank | 3.0 | 3.5 | 3.5 | 80% |
| Members Heritage Credit Union | Credit Union | 3.0 | 3.0 | 3.5 | 78% |
| Whitaker Bank | Community Bank | 2.5 | 3.0 | 3.0 | 75% |
| Fifth Third Bank | Bank | 2.5 | 2.5 | 3.0 | 72% |
Bowling Green Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bowling Green’s area are American Bank & Trust, Republic Bank & Trust and Commonwealth Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| American Bank & Trust | Community Bank | 4.5 | 4.5 | 4.5 | 96% |
| Republic Bank & Trust | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Commonwealth Credit Union | Credit Union | 4.5 | 4.5 | 4.0 | 94% |
| South Central Bank | Community Bank | 4.0 | 4.5 | 4.5 | 93% |
| First Federal Bank | Bank | 4.0 | 4.5 | 4.0 | 92% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.5 | 90% |
| Park Community Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 89% |
| Citizens First Bank | Community Bank | 3.5 | 4.0 | 4.0 | 87% |
| Forcht Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| First Kentucky Bank | Bank | 3.5 | 3.5 | 4.0 | 84% |
| Abound Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 82% |
| River Financial Bank | Community Bank | 3.0 | 3.5 | 3.5 | 80% |
| Farmers National Bank | Bank | 3.0 | 3.0 | 3.5 | 78% |
| Bank of Southern Indiana | Bank | 2.5 | 3.0 | 3.0 | 75% |
| Regions Bank | Bank | 2.5 | 2.5 | 3.0 | 72% |
Owensboro Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Owensboro’s area are Old National Bank, German American Bank and Kentucky Employees Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Old National Bank | Bank | 4.5 | 4.5 | 4.5 | 96% |
| German American Bank | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| Kentucky Employees Credit Union | Credit Union | 4.5 | 4.5 | 4.0 | 94% |
| First Security Bank | Community Bank | 4.0 | 4.5 | 4.5 | 93% |
| Ohio Valley Financial Group | Bank | 4.0 | 4.5 | 4.0 | 92% |
| RiverValley Financial Bank | Community Bank | 4.0 | 4.0 | 4.5 | 90% |
| Integra Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Owensboro Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 87% |
| Commonwealth Community Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| First Federal Savings Bank | Bank | 3.5 | 3.5 | 4.0 | 84% |
Covington Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Covington’s area are Central Bank, Republic Bank & Trust and First Security Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Central Bank | Bank | 4.5 | 4.5 | 4.5 | 95% |
| Republic Bank & Trust | Bank | 4.5 | 4.5 | 4.0 | 94% |
| First Security Bank | Community Bank | 4.0 | 4.5 | 4.5 | 93% |
| Kentucky Employees Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 92% |
| German American Bank | Community Bank | 4.0 | 4.0 | 4.5 | 90% |
| Forcht Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| Park Community Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 87% |
| Citizens First Bank | Community Bank | 3.5 | 4.0 | 3.5 | 85% |
| First Kentucky Bank | Bank | 3.5 | 3.5 | 4.0 | 84% |
| River Financial Bank | Community Bank | 3.0 | 3.5 | 3.5 | 80% |
Georgetown Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Georgetown’s area are Commonwealth Credit Union, Stockton Mortgage and Central Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Commonwealth Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 96% |
| Stockton Mortgage | Community Bank | 4.5 | 4.5 | 4.0 | 94% |
| Central Bank | Bank | 4.0 | 4.5 | 4.5 | 93% |
| First Security Bank | Community Bank | 4.0 | 4.0 | 4.5 | 90% |
| Republic Bank & Trust | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Kentucky Employees Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 86% |
| Forcht Bank | Community Bank | 3.5 | 3.5 | 4.0 | 84% |
Richmond Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Richmond’s area are Central Bank, Republic Bank & Trust and First Security Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Central Bank | Bank | 4.5 | 4.5 | 4.5 | 96% |
| Republic Bank & Trust | Bank | 4.5 | 4.5 | 4.0 | 94% |
| First Security Bank | Community Bank | 4.0 | 4.5 | 4.5 | 93% |
| Kentucky Employees Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 92% |
| U.S. Bank | Bank | 4.0 | 4.0 | 4.5 | 90% |
| Forcht Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| Park Community Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 87% |
Elizabethtown Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Elizabethtown’s area are American Bank & Trust, First Federal Savings Bank and Commonwealth Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| American Bank & Trust | Community Bank | 4.5 | 4.5 | 4.5 | 96% |
| First Federal Savings Bank | Bank | 4.5 | 4.5 | 4.0 | 94% |
| Commonwealth Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 93% |
| Central Bank | Bank | 4.0 | 4.5 | 4.0 | 92% |
| Kentucky Employees Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| Forcht Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| Republic Bank & Trust | Bank | 3.5 | 4.0 | 4.0 | 87% |
Florence Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Florence’s area are Heritage Bank, Central Bank and Republic Bank & Trust.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Heritage Bank | Community Bank | 4.5 | 4.5 | 4.5 | 96% |
| Central Bank | Bank | 4.5 | 4.5 | 4.0 | 94% |
| Republic Bank & Trust | Bank | 4.0 | 4.5 | 4.5 | 93% |
| Kentucky Employees Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 92% |
| First Security Bank | Community Bank | 4.0 | 4.0 | 4.5 | 90% |
| Forcht Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| Park Community Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 87% |
Nicholasville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Nicholasville’s area are Central Bank, Commonwealth Credit Union and Republic Bank & Trust.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Central Bank | Bank | 4.5 | 4.5 | 4.5 | 96% |
| Commonwealth Credit Union | Credit Union | 4.5 | 4.5 | 4.0 | 94% |
| Republic Bank & Trust | Bank | 4.0 | 4.5 | 4.5 | 93% |
| First Security Bank | Community Bank | 4.0 | 4.5 | 4.0 | 92% |
| Kentucky Employees Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| Forcht Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| Park Community Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 87% |
Best Kentucky Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Kentucky are Rocket Mortgage, Wells Fargo and Bank of America.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k-$6M | 3.25%-6.50% | 10-30 years | 5.0 | 4.5 | 4.5 | 97% |
| Wells Fargo | $60k-$5M | 3.50%-6.75% | 10-30 years | 4.5 | 4.5 | 4.5 | 95% |
| Bank of America | $50k-$5M | 3.50%-6.50% | 15-30 years | 4.5 | 4.5 | 4.0 | 94% |
| Better.com | $100k-$4M | 3.50%-6.75% | 15-30 years | 4.5 | 4.5 | 4.5 | 93% |
| LoanDepot | $50k-$3M | 3.75%-6.25% | 10-30 years | 4.5 | 4.5 | 4.0 | 92% |
| Guaranteed Rate | $50k-$5M | 3.50%-6.50% | 10-30 years | 4.5 | 4.0 | 4.5 | 90% |
| New American Funding | $50k-$3M | 3.25%-6.75% | 10-30 years | 4.0 | 4.5 | 4.0 | 88% |
| Freedom Mortgage | $50k-$3M | 3.75%-6.50% | 15-30 years | 4.0 | 4.0 | 4.0 | 86% |
| PennyMac | $50k-$3M | 3.50%-6.25% | 15-30 years | 4.0 | 4.0 | 3.5 | 84% |
| Fairway Independent Mortgage | $50k-$3M | 3.75%-6.50% | 10-30 years | 3.5 | 4.0 | 4.0 | 82% |
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