Mortgage lending in Fayette County, Kentucky
Lenders in Fayette County, Kentucky reported 10,985 mortgage applications for 2025, according to the CFPB.
10,985 mortgage applications and 7,013 loans originated in 2025; the denial rate was 17.0% of 8,855 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lexington-Fayette, KY MSA.
- 10,985
- Applications
- 7,013
- Loans originated
- 17.0%
- Denial rate
- 1,507 denied of 8,855 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,985 | 7,013 |
| 2024 | 9,627 | 6,287 |
| 2023 | 9,063 | 5,946 |
| 2022 | 12,768 | 8,867 |
| 2021 | 21,658 | 15,631 |
| 2020 | 21,268 | 14,979 |
| 2019 | 14,897 | 10,376 |
| 2018 | 12,612 | 8,701 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| University of KY Fcu | 863 | 1,481 |
| Rocket Mortgage | 360 | 461 |
| Central Bank & Trust Co | 328 | 400 |
| Guardian Savings Bank | 305 | 367 |
| Commonwealth Federal Credit Union | 296 | 445 |
| Ark-LA-Tex Financial Services LLC | 290 | 394 |
| Fifth Third Bank, National Association | 275 | 502 |
| United Wholesale Mortgage | 237 | 312 |
| Republic Bank & Trust | 207 | 299 |
| Stockton Mortgage Corporation | 198 | 270 |
| JPMorgan Chase Bank, NA | 187 | 253 |
| Stock Yards Bank & Trust Company | 152 | 204 |
| Bank of Lexington | 143 | 186 |
| Traditional Bank Inc | 141 | 156 |
| Luminate Bank | 119 | 166 |
| US Bank, N.A. | 119 | 256 |
| PNC Bank N.A. | 112 | 206 |
| Community Trust Bank, Inc. | 103 | 136 |
| New American Funding, LLC. | 91 | 167 |
| City National Bank of WV | 80 | 112 |
| T2 Financial LLC | 78 | 104 |
| Freedom Mortgage Corporation | 72 | 151 |
| Members Heritage CU | 71 | 85 |
| Wesbanco Bank, Inc. | 71 | 108 |
| Provident Funding Associates | 67 | 93 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 37 | no rate: base under 50 |
| Asian | 607 | 18.3% of 465 decided |
| Black or African American | 935 | 31.2% of 731 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 7,411 | 15.5% of 6,076 decided |
| 2 or more minority races | 16 | no rate: base under 50 |
| Joint | 206 | 13.1% of 160 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,757 | 15.1% of 1,368 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 524 | 31.8% of 412 decided |
| Not Hispanic or Latino | 8,592 | 16.7% of 6,975 decided |
| Joint | 160 | 19.7% of 137 decided |
| Ethnicity Not Available | 1,709 | 14.1% of 1,331 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,405 | 21.4% of 2,686 decided |
| Female | 2,825 | 20.2% of 2,268 decided |
| Joint | 3,595 | 12.0% of 2,980 decided |
| Sex Not Available | 1,160 | 12.5% of 921 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 884 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved