Kentucky · HMDA 2025
Mortgage lenders in Jessamine County, KY
205 lenders reported 2,684 home-loan applications in Jessamine County in 2025. 1,545 closed as loans ($458.0M), 355 were denied — a 18.0% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 18% of applications, led by UNIVERSITY OF KENTUCKY. 21 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,684
- Loans originated
- 1,545
- Purchase / refinance
- 711 / 492
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jessamine County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNIVERSITY OF KENTUCKY | 265 | 9.9% | — |
| 2 | Rocket Mortgage, LLC | 118 | 4.4% | — |
| 3 | COMMONWEALTH | 100 | 3.7% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 99 | 3.7% | — |
| 5 | Central Bank & Trust Company 76 out of 100, Strong | 93 | 3.5% | 9.9% |
| 6 | City National Bank of West Virginia 78 out of 100, Strong | 89 | 3.3% | 27.3% |
| 7 | Guardian Savings Bank 83 out of 100, Strong | 85 | 3.2% | 11.5% |
| 8 | Fifth Third Bank, National Association 62 out of 100, Moderate | 85 | 3.2% | 34.0% |
| 9 | The Farmers Bank 78 out of 100, Strong | 80 | 3.0% | 3.7% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 74 | 2.8% | 14.1% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 66 | 2.5% | — |
| 12 | STOCKTON MORTGAGE CORPORATION | 65 | 2.4% | — |
| 13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 61 | 2.3% | — |
| 14 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 55 | 2.0% | 21.5% |
| 15 | PNC Bank, National Association 62 out of 100, Moderate | 53 | 2.0% | 33.8% |
| 16 | NEWREZ LLC | 49 | 1.8% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 46 | 1.7% | — |
| 18 | Citizens Bank, National Association 54 out of 100, Below average | 41 | 1.5% | 32.5% |
| 19 | WesBanco Bank, Inc. 66 out of 100, Moderate | 40 | 1.5% | 20.1% |
| 20 | Mortgage Research Center, LLC | 39 | 1.5% | — |
| 21 | Broker Solutions, Inc. | 37 | 1.4% | — |
| 22 | Bank of Lexington, Inc. 74 out of 100, Strong | 37 | 1.4% | 7.1% |
| 23 | Republic Bank & Trust Company 84 out of 100, Strong | 35 | 1.3% | 12.6% |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 31 | 1.2% | — |
| 25 | VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 1.1% | — |
| 26 | U.S. Bank National Association 55 out of 100, Moderate | 27 | 1.0% | 39.5% |
| 27 | Luminate Bank 47 out of 100, Below average | 27 | 1.0% | 4.3% |
| 28 | NATIONSTAR MORTGAGE LLC | 24 | 0.9% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 24 | 0.9% | 3.0% |
| 30 | Community Trust Bank, Inc. 80 out of 100, Strong | 23 | 0.9% | 13.9% |
| 31 | Traditional Bank, Inc. 73 out of 100, Strong | 23 | 0.9% | 10.6% |
| 32 | Ixonia Bank 67 out of 100, Moderate | 23 | 0.9% | 4.7% |
| 33 | T2 FINANCIAL LLC | 22 | 0.8% | — |
| 34 | Truist Bank 63 out of 100, Moderate | 21 | 0.8% | 40.8% |
| 35 | AmeriSave Mortgage Corporation | 20 | 0.7% | — |
| 36 | First Southern National Bank | 20 | 0.7% | — |
| 37 | Bank of the Bluegrass and Trust Company 75 out of 100, Strong | 18 | 0.7% | 9.7% |
| 38 | Old National Bank 59 out of 100, Moderate | 16 | 0.6% | 22.1% |
| 39 | NEW DAY FINANCIAL, LLC | 16 | 0.6% | — |
| 40 | UNION HOME MORTGAGE CORP. | 16 | 0.6% | — |
Top 40 of 205 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
- Fayette County 12,096 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