Largest lenders in Fayette County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | University of Kentucky | B | 1,481 | 863 | 19.9% | 7.00% |
| 2 | Fifth Third Bank | D | 502 | 275 | 25.1% | 7.50% |
| 3 | Rocket Mortgage | C | 461 | 360 | 14.1% | 6.75% |
| 4 | Commonwealth | C | 445 | 296 | 18.4% | 7.25% |
| 5 | Central Bank & Trust | B | 400 | 328 | 8.0% | 7.00% |
| 6 | Ark-La-Tex Financial Services, LLC. | A | 394 | 290 | 1.8% | 6.62% |
| 7 | Guardian Savings Bank | B | 367 | 305 | 5.7% | 6.50% |
| 8 | United Shore Financial Services | B | 312 | 237 | 8.7% | 6.13% |
| 9 | Republic Bank & Trust | B | 299 | 207 | 6.0% | 6.38% |
| 10 | Stockton Mortgage | D | 270 | 198 | 4.4% | 6.50% |
| 11 | U.S. Bank | D | 256 | 119 | 30.9% | 6.99% |
| 12 | JPMorgan Chase Bank | B | 253 | 187 | 4.4% | 6.63% |
| 13 | PNC Bank | D | 206 | 112 | 28.6% | 7.44% |
| 14 | Stock Yards Bank & Trust | B | 204 | 152 | 9.3% | 6.50% |
| 15 | Bank of Lexington | B | 186 | 143 | 3.2% | — |
| 16 | Broker Solutions | D | 167 | 91 | 7.2% | 6.63% |
| 17 | Luminate Bank | B | 166 | 119 | 0.6% | 6.63% |
| 18 | Traditional Bank | B | 156 | 141 | 5.1% | 7.50% |
| 19 | Freedom Mortgage | B | 151 | 72 | 6.6% | 6.25% |
| 20 | Pennymac Loan Services | C | 138 | 57 | 9.4% | 6.25% |
| 21 | Community Trust Bank | B | 136 | 103 | 15.4% | 7.13% |
| 22 | Truist Bank | C | 123 | 63 | 32.5% | 6.34% |
| 23 | City National Bank of West Virginia | C | 112 | 80 | 17.9% | 6.35% |
| 24 | WesBanco Bank | B | 108 | 71 | 15.7% | 6.25% |
| 25 | Mortgage Research Center | C | 107 | 52 | 24.3% | 6.50% |
Best approval odds in Fayette County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Luminate Bank | 121 | 0.8% |
| 2 | Ark-La-Tex Financial Services, LLC. | 298 | 2.4% |
| 3 | Coastal Community Bank | 76 | 4.0% |
| 4 | MEMBERS HERITAGE Credit Union | 75 | 4.0% |
| 5 | Bank of Lexington | 150 | 4.0% |
| 6 | Lower | 60 | 5.0% |
| 7 | Traditional Bank | 150 | 5.3% |
| 8 | JPMorgan Chase Bank | 200 | 5.5% |
| 9 | Provident Funding Associates | 71 | 5.6% |
| 10 | Stockton Mortgage | 213 | 5.6% |
What Fayette County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fayette County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 9,063 | 5,946 | 15.0% | 6.99% | $165,000 |
| 2024 | 9,627 | 6,287 | 15.2% | 6.99% | $195,000 |
| 2025 | 10,985 | 7,013 | 13.7% | 6.75% | $205,000 |
Frequently asked questions
13.7% of applications in Fayette County were denied in 2025, against 18.8% statewide in Kentucky.
University of Kentucky, with 1,481 applications in 2025 and a denial rate of 19.9%.
The median mortgage application in Fayette County in 2025 was for $205,000; the median property value on originated loans was $345,000.