Kentucky · HMDA 2025
Mortgage lenders in Fayette County, KY
378 lenders reported 12,096 home-loan applications in Fayette County in 2025. 7,013 closed as loans ($2.1B), 1,507 were denied — a 17.0% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 20% of applications, led by UNIVERSITY OF KENTUCKY. 21 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 12,096
- Loans originated
- 7,013
- Purchase / refinance
- 3,308 / 2,212
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Fayette County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNIVERSITY OF KENTUCKY | 1,481 | 12.2% | — |
| 2 | Fifth Third Bank, National Association 62 out of 100, Moderate | 506 | 4.2% | 34.0% |
| 3 | Rocket Mortgage, LLC | 469 | 3.9% | — |
| 4 | COMMONWEALTH | 445 | 3.7% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 433 | 3.6% | — |
| 6 | Central Bank & Trust Company 76 out of 100, Strong | 400 | 3.3% | 9.9% |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 394 | 3.3% | — |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 392 | 3.2% | 14.1% |
| 9 | Guardian Savings Bank 83 out of 100, Strong | 367 | 3.0% | 11.5% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 313 | 2.6% | — |
| 11 | Republic Bank & Trust Company 84 out of 100, Strong | 299 | 2.5% | 12.6% |
| 12 | STOCKTON MORTGAGE CORPORATION | 270 | 2.2% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 258 | 2.1% | 39.5% |
| 14 | PNC Bank, National Association 62 out of 100, Moderate | 210 | 1.7% | 33.8% |
| 15 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 204 | 1.7% | 21.5% |
| 16 | NEWREZ LLC | 186 | 1.5% | — |
| 17 | Bank of Lexington, Inc. 74 out of 100, Strong | 186 | 1.5% | 7.1% |
| 18 | FREEDOM MORTGAGE CORPORATION | 183 | 1.5% | — |
| 19 | Broker Solutions, Inc. | 167 | 1.4% | — |
| 20 | Luminate Bank 47 out of 100, Below average | 166 | 1.4% | 4.3% |
| 21 | NATIONSTAR MORTGAGE LLC | 162 | 1.3% | — |
| 22 | Truist Bank 63 out of 100, Moderate | 160 | 1.3% | 40.8% |
| 23 | Traditional Bank, Inc. 73 out of 100, Strong | 156 | 1.3% | 10.6% |
| 24 | Community Trust Bank, Inc. 80 out of 100, Strong | 136 | 1.1% | 13.9% |
| 25 | Citizens Bank, National Association 54 out of 100, Below average | 127 | 1.0% | 32.5% |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 117 | 1.0% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 112 | 0.9% | 44.7% |
| 28 | City National Bank of West Virginia 78 out of 100, Strong | 112 | 0.9% | 27.3% |
| 29 | WesBanco Bank, Inc. 66 out of 100, Moderate | 108 | 0.9% | 20.1% |
| 30 | Mortgage Research Center, LLC | 107 | 0.9% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 107 | 0.9% | 3.0% |
| 32 | T2 FINANCIAL LLC | 104 | 0.9% | — |
| 33 | PROVIDENT FUNDING ASSOCIATES, L.P. | 93 | 0.8% | — |
| 34 | MEMBERS HERITAGE Credit Union 71 out of 100, Strong | 85 | 0.7% | 3.5% |
| 35 | LOWER, LLC | 79 | 0.7% | — |
| 36 | AmeriSave Mortgage Corporation | 72 | 0.6% | — |
| 37 | PLANET HOME LENDING, LLC | 68 | 0.6% | — |
| 38 | SPRING EQ, LLC | 67 | 0.6% | — |
| 39 | Ixonia Bank 67 out of 100, Moderate | 67 | 0.6% | 4.7% |
| 40 | Bank of the Bluegrass and Trust Company 75 out of 100, Strong | 66 | 0.5% | 9.7% |
Top 40 of 378 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Kentucky
- Jefferson County 34,355 apps
- Kenton County 9,206 apps
- Boone County 7,875 apps
- Hardin County 5,758 apps
- Warren County 5,386 apps
- Bullitt County 4,826 apps
- Campbell County 4,786 apps
- Madison County 4,634 apps
- Daviess County 3,848 apps
- Scott County 3,599 apps
- Oldham County 3,581 apps
- Laurel County 2,745 apps