Mortgage lending in Jessamine County, Kentucky
Lenders in Jessamine County, Kentucky reported 2,419 mortgage applications for 2025, according to the CFPB.
2,419 mortgage applications and 1,545 loans originated in 2025; the denial rate was 18.0% of 1,976 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.
- 2,419
- Applications
- 1,545
- Loans originated
- 18.0%
- Denial rate
- 355 denied of 1,976 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,419 | 1,545 |
| 2024 | 2,035 | 1,322 |
| 2023 | 1,763 | 1,136 |
| 2022 | 2,492 | 1,676 |
| 2021 | 3,860 | 2,786 |
| 2020 | 3,786 | 2,629 |
| 2019 | 2,510 | 1,726 |
| 2018 | 2,124 | 1,461 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| University of KY Fcu | 163 | 265 |
| Rocket Mortgage | 92 | 115 |
| Central Bank & Trust Co | 73 | 93 |
| Guardian Savings Bank | 72 | 84 |
| City National Bank of WV | 68 | 89 |
| Farmers Bank | 67 | 80 |
| United Wholesale Mortgage | 55 | 66 |
| Commonwealth Federal Credit Union | 53 | 100 |
| Stockton Mortgage Corporation | 51 | 65 |
| Ark-LA-Tex Financial Services LLC | 41 | 60 |
| Fifth Third Bank, National Association | 40 | 84 |
| Stock Yards Bank & Trust Company | 33 | 55 |
| PNC Bank N.A. | 29 | 53 |
| Wesbanco Bank, Inc. | 28 | 40 |
| Bank of Lexington | 27 | 37 |
| JPMorgan Chase Bank, NA | 27 | 40 |
| New American Funding, LLC. | 22 | 37 |
| Freedom Mortgage Corporation | 22 | 39 |
| Republic Bank & Trust | 21 | 35 |
| Community Trust Bank, Inc. | 19 | 23 |
| First Southern National Bank | 19 | 20 |
| Traditional Bank Inc | 18 | 23 |
| Luminate Bank | 18 | 27 |
| Mortgage Research Center | 15 | 39 |
| T2 Financial LLC | 15 | 22 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 45 | no rate: base under 50 |
| Black or African American | 61 | no rate: base under 50 |
| White | 1,894 | 18.0% of 1,563 decided |
| 2 or more minority races | under 10 | |
| Joint | 44 | no rate: base under 50 |
| Race Not Available | 362 | 13.6% of 287 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 64 | no rate: base under 50 |
| Not Hispanic or Latino | 1,951 | 18.5% of 1,609 decided |
| Joint | 38 | no rate: base under 50 |
| Ethnicity Not Available | 366 | 13.8% of 290 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 689 | 24.8% of 544 decided |
| Female | 491 | 21.9% of 401 decided |
| Joint | 991 | 12.7% of 822 decided |
| Sex Not Available | 248 | 13.4% of 209 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. 886 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