Bank of Lexington in Kentucky vs the state
5.8%Denial rate-13.03 pts vs state
7.2%Decision denial rate-16.28 pts vs state
72.2%Origination rate+14.16 pts vs state
—Median rate
—Rate spread (pts)
$130kMedian applicant income
200Loans originated
16Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 91 | 6.6% | — | #159 |
| 2024 | 256 | 174 | 5.5% | — | #112 |
| 2025 | 277 | 200 | 5.8% | — | #117 |
What Bank of Lexington lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Bank of Lexington applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 186 | 143 | 6 | 3.2% |
| Jessamine County | 37 | 27 | 0 | 0.0% |
| Madison County | 13 | 7 | 3 | 23.1% |
| Scott County | 10 | 7 | 1 | 10.0% |
| Woodford County | 8 | 4 | 0 | 0.0% |
| Jefferson County | 4 | 0 | 3 | 75.0% |
| Franklin County | 4 | 2 | 0 | 0.0% |
| Clark County | 3 | 1 | 2 | 66.7% |
| Bourbon County | 3 | 3 | 0 | 0.0% |
| Anderson County | 2 | 2 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 277 applications in 2025, of which 200 were originated and 16 denied.
5.8% of all applications, or 7.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Lexington's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology