Bank of Lexington at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
62nd7.1% deniedProcesswithdrawn + incomplete share, weight 15%
19th20.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 123 | 92 | 6.5% | 7.6% | — | $27M |
| 2024 | 261 | 176 | 5.8% | 7.6% | — | $54M |
| 2025 | 283 | 204 | 5.7% | 7.1% | — | $72M |
What Bank of Lexington lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 94 investment properties.
Who gets approved at Bank of Lexington
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 67 | 33 | 19.1% |
| $100k – $150k | 34 | 23 | 11.5% |
| $150k – $250k | 48 | 36 | 2.6% |
| Over $250k | 42 | 34 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 12 | 14.3% |
| 25–34 | 54 | 32 | 13.2% |
| 35–44 | 44 | 30 | 11.4% |
| 45–54 | 36 | 26 | 7.1% |
| 55–64 | 25 | 19 | 5.0% |
| 65–74 | 25 | 15 | 5.6% |
Where Bank of Lexington lends
5 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kentucky | 277 | 200 | 5.8% | — | #117 |
Frequently asked questions
Bank of Lexington denied 7.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 62nd percentile of small mortgage lenders.
In 2025, 64% of its applications were for home purchases, 33% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.