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Laurels

Best Mortgage Refinance Companies in Louisville
2022

We scored 305 Mortgage Refinance Companies in Louisville, KY and Picked the Top 15

Here are the Picks:

Century Mortgage

Wholesale Mortgage Source, LLC

Transcend Credit Union

First Fidelity Mortgage

United Financial Group, LLC

West Point Bank

First Commonwealth Mortgage Corp

LightPoint Mortgage

Republic Bank

Wilson & Muir Bank & Trust

American Mortgage Service Co.

Commonwealth Credit Union

Mortgage Warehouse - Kentucky

Park Community Credit Union

Metro Mortgage Lending, Inc

Why These Mortgage Refinance Companies?

Our goal is to connect people with the best local experts. We scored Louisville Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

Reviewed Curated Top Picks 305 189 15

Our Selection Criteria:

  • 1. Availability

    Consistently approachable and responsive, so customers never feel ignored.

  • 2. Qualifications

    Building customer confidence with licensing, accreditations, and awards.

  • 3. Reputation

    A history of delighted customers and outstanding service.

  • 4. Experience

    Masters of their craft, based on years of practical experience and education.

  • 5. Professionalism

    Providing service with honesty, reliability, and respect.

Read more about our selection process

Century Mortgage

  • Reverse Mortgages
  • NMLS #: 39166

Century Mortgage is a division of Bay Equity LLC, which was established in 2007. It is a refinance company that caters to homeowners and buyers in the Louisville metro and surrounding communities. The company consists of mortgage and financial professionals who assist clients with their fixed- and adjustable-rate, DPA program, and jumbo loans. They also offer loan programs such as VA, FHA, USDA, and reverse mortgages. CEO Brett McGovern carries 20 years of real estate and lending industry experience.

Click to Call

9931 Corporate Campus Drive
Louisville, KY 40223

Website Instagram

(502) 425-7740 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

4.6 / 5 (Best)

Total Reviews:

131 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Wholesale Mortgage Source, LLC

  • Reverse Mortgages
  • NMLS #: 39166

Wholesale Mortgage Source, LLC, is a Louisville-based business that has been providing personalized loan solutions since 2017. Whether clients are looking into securing or refinancing mortgages, the company assists in different types of loans, including jumbo, fixed-rate, adjustable-rate, USDA, and FHA loans. Wholesale Mortgage Source, LLC, is headed by Brian Curl, a mortgage specialist who has been working in the industry for more than two decades. He is a member of the Association of Independent Mortgage Experts.

Click to Call

12700 Townepark Way
Louisville, KY 40243

Website

(502) 738-1003 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 (Best)

Total Reviews:

101 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Price: Appraisal fee

Transcend Credit Union

  • Reverse Mortgages

Transcend Credit Union provides home mortgage refinance in Louisville and the nearby areas. The credit union offers APRs and fixed-rate term limits ranging from five to 30 years to refinance loans for clients' primary residences. The mortgage professionals work with conventional, VA, FHA, and rural development loans. In addition, retirement mortgage plans that feature cash-out refinancing options are available. Transcend Credit Union also offers home equity line of credit loans to cater to clients' car or home repairs. Borrowers can take out personal and auto loans as well. The company has helped individuals achieve their financial goals for more than 80 years, and Datatrac certifies its interest rates.

Click to Call

12104 Shelbyville Rd
Louisville, KY 40243

Website

(502) 459-3000 Website

Reputation:A

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

4.4 / 5 (Better)

Total Reviews:

140 (Best)

Score Consistency:

Consistent (Best)

First Fidelity Mortgage

  • Reverse Mortgages
  • NMLS #: 39166

Established in 2012, First Fidelity Mortgage handles the needs of first-time homebuyers and homeowners in Louisville. Its loan officers have more than 40 years of combined experience providing a broad range of mortgage loan programs that suit the particular needs of its clients. These programs include conventional, home renovation, rural housing, FHA, and VA loans. The goal of First Fidelity Mortgage is to ensure quality customer service for each of its clients and that their mortgage financing needs are fulfilled.

Click to Call

13117 Eastpoint Park Boulevard
Louisville, KY 40223

Website

(502) 657-4299 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 (Best)

Total Reviews:

69 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

United Financial Group, LLC

  • Reverse Mortgages
  • NMLS #: 39166

Founded in 2002, United Financial Group LLC is a mortgage lending company that serves the Louisville area. The professionals refinance conventional, VA, FHA, and USDA loans. They offer loan preapproval via income, credit, and program qualification checks before embarking on the mortgage process. The experts provide 3, 5, 7, or 10-year ARMs and fixed-rate payment limits for up to 30-year loans. The company provides home equity loan products to facilitate residential improvements. The specialists additionally link clients to Realtors and provide mortgage advice to make the home buying process seamless. United Financial Group serves first- and second-home buyers and offers development loan solutions for aspiring or experienced developers.

Click to Call

2500 Hermitage Way
Louisville, KY 40242

Website

(833) 890-2200 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.9 / 5 (Best)

Total Reviews:

36 (Best)

Score Consistency:

Consistent (Best)

West Point Bank

  • Reverse Mortgages

West Point Bank is a locally operated bank that provides financial services to residents in Louisville and nearby areas. Its professionals discharge mortgage refinancing options to help customers save money by lowering monthly payments and interest rates. They provide various loan products for vacant land, mobile residences, investment properties, manufactured homes, and agricultural and farmland. The experts offer construction loans to finance clients' construction needs, and they help convert the loans to a permanent mortgage product after the home is complete. West Point Bank delivers bridge loans to help simplify the process of selling old homes or purchasing new ones, and the staff later converts the loan into a conventional mortgage.

Click to Call

601 Main St
West Point, KY 40177

Website

(270) 351-1414 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.1 / 5 (Better)

Total Reviews:

50 (Best)

Score Consistency:

Consistent (Best)

First Commonwealth Mortgage Corp

  • Reverse Mortgages
  • NMLS #: 39166

Established in 2001, First Commonwealth Mortgage Corp in Louisville helps clients with their home purchase and mortgage refinance needs. Its team tailors personalized mortgage programs that suit the financing objectives of the borrower. The company also assists clients with debt consolidation loans, second mortgages, land contract payoff, lines of credit, and cashout. It also specializes in creating and structuring programs for the self-employed. First Commonwealth Mortgage Corp aims to help clients turn their dream home into a reality.

Click to Call

12004 Shelbyville Road
Louisville, KY 40243

Website

(502) 412-0290 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

4.8 / 5 (Best)

Total Reviews:

231 (Best)

Score Consistency:

Consistent (Best)

LightPoint Mortgage

  • Reverse Mortgages
  • NMLS #: 39166

Established in 2011, LightPoint Mortgage Company, Inc., is a Louisville-based mortgage refinance company. It caters to clients planning to build, buy, refinance, or sell their homes. The company offers and explains different kinds of mortgage loans, such as FHA, VA, and USDA loans. Its team of loan officers also educates each client about reverse, fixed-rate, and adjustable-rate mortgages at 15-year and 30-year contracts. Furthermore, they can process pre-approval requests, send mortgage comparisons, and provide home insurance quotes.

Click to Call

161 Saint Matthews Avenue
Louisville, KY 40207

Website

(502) 565-2511 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 (Best)

Total Reviews:

94 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Republic Bank

  • Reverse Mortgages

Republic Bank provides clients with home mortgage refinance in Louisville. The bank offers fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, home equity, and land and lot loans. When clients fill out online forms with their mortgage details and refinancing goals, Republic Bank's experienced loan officers provide a personalized plan to get the lowest mortgage interest rates, shorten terms, or obtain cash back from home equity. The team walks each client through their optimal mortgage refinancing solution and guides customers through the application process. Written resources and financial calculators about refinancing are available online. Republic Bank also offers personal and business loans.

Click to Call

3608 Walden Drive
Lexington, KY 40517

Website Instagram

(859) 533-0764 Website

Reputation:A

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4 / 5 (Better)

Total Reviews:

23 (Better)

Score Consistency:

Consistent (Best)

Wilson & Muir Bank & Trust

  • Reverse Mortgages
  • NMLS #: 39166

Wilson & Muir Bank & Trust has offered mortgage refinancing services and supplied clients with personal and business loans for over a century in the greater Louisville area. Wilson & Muir Bank & Trust loan's officers and online financial calculators guide clients to the appropriate loan options for their goals and help them understand which mortgages they qualify for. Mortgage choices include 15- to 30-year fixed or adjustable, VA, and FHA loans. The company's team oversees the client through the refinancing application process, seeking to reduce monthly payments, take advantage of low-interest rates, pay off mortgages more quickly, and consolidate debts.

Click to Call

130 Saint Matthews Ave
Louisville, KY 40207

Website

(502) 348-5996 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

4.7 / 5 (Best)

Total Reviews:

38 (Best)

Score Consistency:

Consistent (Best)

American Mortgage Service Co.

  • New Construction

American Mortgage Service Co., has over 40 locations and is licensed to lend in Ohio, Kentucky, Indiana, Tennessee, Florida, Alabama, Mississippi, Michigan and West Virginia. The company provides has successfully focused its business development on relationship growth with real estate agents, home builders and former customers. The business offers low down payment loans across Conventional, FHA, VA and Guaranteed Rural Housing lending products. Team has won multiple awards and is held with a commitment to honesty, integrity and great service.

Click to Call

Louisville, KY 40223

Website

(888) 421-9600 Website

Reputation:A

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 (Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

Commonwealth Credit Union

  • Reverse Mortgages

Founded in 1951, Commonwealth Credit Union is a nonprofit mortgage refinance company in Louisville that is owned and operated by its members. It provides home lending solutions, including refinancing conventional, FHA, VA, and USDA loans with adjustable or fixed rates. The company offers home equity line of credit loans to help clients finance bills, college, or vacations. Additional financial solutions include vehicle loans, signature cash lines of credit, student refinance loans, and recreational and adventure loans. Homeowners can benefit from an assistance program that allows them to skip mortgage payments up to three months. Commonwealth Credit Union also provides wealth management advice.

Click to Call

2126 S Floyd St
Louisville, KY 40208

Website

(800) 228-6420 Website

Reputation:A

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

4.2 / 5 (Better)

Total Reviews:

220 (Best)

Score Consistency:

Consistent (Best)

Mortgage Warehouse - Kentucky

  • Reverse Mortgages
  • NMLS #: 39166

Mortgage Warehouse is a full-service mortgage brokerage company serving clients in Louisville and nearby localities. The firm assists individuals and families in lowering their existing mortgage terms and paying off their current home loans with its mortgage refinancing services. Its refinancing officers offer a variety of options, including fixed-rate, adjustable-rate, and cashout refinancing. The team also assists clients with tax deductions and debt consolidations. The company has been helping homeowners, buyers, and real estate investors since 2003.

Click to Call

2011 Lake Point Way
Louisville, KY 40223

Website

(502) 429-9040 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 (Best)

Total Reviews:

183 (Best)

Score Consistency:

Consistent (Best)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Park Community Credit Union

  • Reverse Mortgages

Since 1985, Park Community Credit Union has been providing a full range of financial products to communities in the Louisville area. The mortgage refinance lenders in Louisville provide multiple lending solutions to help consolidate or reduce mortgage loan terms. Mortgage refinance options include conventional, jumbo, Express Home, FHA, and USDA loans. The company provides fixed-rate term limits ranging from five to 30 years. It also offers ARMs, a first-time home buyer program, home equity line of credit, and second mortgage financing options. The company has a student loan refinancing program as well. Park Community Credit Union provides multiple custom loans, including vacation, recreational, credit builder, and micro commercial loans.

Click to Call

2501 Blankenbaker Pkwy
Louisville, KY 40299

Website

(502) 968-3681 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.4 / 5 (Better)

Total Reviews:

141 (Best)

Score Consistency:

Consistent (Best)

Metro Mortgage Lending, Inc

  • Reverse Mortgages
  • NMLS #: 39166

Metro Mortgage Lending, Inc., is a mortgage brokerage company servicing the Louisville community and nearby localities. The firm assists homeowners in consolidating their loan debts, reducing their monthly payments, and paying off their current mortgage faster with its mortgage refinancing programs. Its mortgage specialists provide a variety of refinance options, including fixed-rate, adjustable-rate, cashout, and short-term refinance. The team also handles home purchasing loans like FHA, VA, USDA, and home equity. The company has been serving clients since 1996.

Click to Call

2305 Hurstbourne Village Drive
Louisville, KY 40299

Website

(502) 491-4008 Website

Reputation:A+

More Info

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 (Best)

Total Reviews:

99 (Best)

Score Consistency:

Variable (Good)

Professionalism: A+

More Info

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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