Tier 2 · Standard · quality score 57/100
Research mortgage companies in Jefferson County, Kentucky
2 in-county HQ companies. Local means a licensed business address in this county — not statewide license alone.
Federal mortgage data · HMDA
What the federal data shows — Jefferson County
Source: 2025 HMDA · Kentucky (KY) county-level activity · Not a score or ranking
Denials ÷ applications (cleaned HMDA county extract)
Share of purchase vs refi among those purposes
Loan-type mix (originations)
- Conventional83.3% · 16,168
- FHA12.1% · 2,351
- VA4.6% · 893
- USDA / RHS0.0% · 3
Purchase vs refinance
Bar shows purchase share of purchase + refinance.
Most active matched lenders in this county
Ranked by actual HMDA originations in Jefferson County (2025). Only institutions matched to our directory evidence set are linked.
| Lender | Originations | County share |
|---|---|---|
| United Wholesale Mortgage, LLC | 1,851 | 9.5% |
| Rocket Mortgage, LLC | 1,111 | 5.7% |
| Stock Yards Bank & Trust Company | 1,012 | 5.2% |
| PNC Bank, National Association | 919 | 4.7% |
| First Financial Bank | 834 | 4.3% |
| Republic Bank & Trust Company | 782 | 4.0% |
| Eagle Home Mortgage, LLC | 749 | 3.9% |
| Northpointe Bank | 646 | 3.3% |
| L & N Federal Credit Union | 607 | 3.1% |
| U.S. Bank National Association | 602 | 3.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 295 | 1.5% |
| 549300AZBM8V8SE0IT33 | 278 | 1.4% |
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Loan-program research entry points
Educational pathways only. Confirm product eligibility and pricing with any company and primary sources — these are not live lender quotes.
- Conventional
Baseline purchase & refinance themes — educational overview
At least one in-county listing shows this loan type
- FHA
Lower down-payment research themes — not an eligibility tool
At least one in-county listing shows this loan type
- VA
Military / veteran program themes — confirm with VA sources
At least one in-county listing shows this loan type
- Down-payment assistance
State/local assistance concepts — not a complete local inventory
- Program finder
Short guided shortlist with clear disclaimers
Compare, calculate, verify
Official housing & licensing handoffs
Primary sources only. Program availability and eligibility change — confirm on the official site.
- NMLS Consumer Access ↗ — Confirm company and individual licenses before you apply
- CFPB — Owning a Home ↗ — Educational tools and Loan Estimate guides
- HUD housing counseling ↗ — Find a HUD-approved housing counselor
County quality score 57/100 · Tier 2 (Standard). See methodology. Path: /local-lenders/kentucky/jefferson
Only 2 listed lenders with confirmed in-county HQ for Jefferson County, Kentucky. We do not pad this list with distant offices labeled as local.
In-county HQ
Licensed business city or HQ locality maps to Jefferson County.