Largest lenders in Jessamine County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | University of Kentucky | B | 265 | 163 | 21.9% | 6.50% |
| 2 | Rocket Mortgage | C | 115 | 92 | 8.7% | 6.50% |
| 3 | Commonwealth | C | 100 | 53 | 24.0% | 7.00% |
| 4 | Central Bank & Trust | B | 93 | 73 | 10.8% | 7.00% |
| 5 | City National Bank of West Virginia | C | 89 | 68 | 16.9% | 6.50% |
| 6 | Fifth Third Bank | D | 84 | 40 | 22.6% | 7.25% |
| 7 | Guardian Savings Bank | B | 84 | 72 | 9.5% | 6.50% |
| 8 | The Farmers Bank | A | 80 | 67 | 2.5% | — |
| 9 | United Shore Financial Services | B | 66 | 55 | 9.1% | 6.50% |
| 10 | Stockton Mortgage | D | 65 | 51 | 3.1% | 6.38% |
| 11 | Ark-La-Tex Financial Services, LLC. | A | 60 | 41 | 1.7% | 6.63% |
| 12 | Stock Yards Bank & Trust | B | 55 | 33 | 21.8% | 6.50% |
| 13 | PNC Bank | D | 53 | 29 | 28.3% | 7.40% |
| 14 | WesBanco Bank | B | 40 | 28 | 22.5% | 6.06% |
| 15 | JPMorgan Chase Bank | B | 40 | 27 | 2.5% | 6.38% |
| 16 | Freedom Mortgage | B | 39 | 22 | 7.7% | 6.44% |
| 17 | Mortgage Research Center | C | 39 | 15 | 20.5% | 6.25% |
| 18 | Bank of Lexington | B | 37 | 27 | 0.0% | — |
| 19 | Broker Solutions | D | 37 | 22 | 5.4% | 6.75% |
| 20 | Republic Bank & Trust | B | 35 | 21 | 2.9% | 6.38% |
| 21 | Pennymac Loan Services | C | 35 | 11 | 17.1% | 6.13% |
| 22 | Vanderbilt Mortgage and Finance | F | 29 | 5 | 55.2% | 9.50% |
| 23 | Luminate Bank | B | 27 | 18 | 0.0% | 6.62% |
| 24 | Newrez | D | 25 | 9 | 8.0% | 6.50% |
| 25 | U.S. Bank | D | 24 | 10 | 45.8% | 6.88% |
Best approval odds in Jessamine County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Farmers Bank | 76 | 2.6% |
| 2 | Stockton Mortgage | 54 | 3.7% |
| 3 | Rocket Mortgage | 107 | 9.4% |
| 4 | United Shore Financial Services | 61 | 9.8% |
| 5 | Guardian Savings Bank | 81 | 9.9% |
| 6 | Central Bank & Trust | 84 | 11.9% |
| 7 | City National Bank of West Virginia | 85 | 17.7% |
| 8 | University of Kentucky | 238 | 24.4% |
| 9 | Fifth Third Bank | 62 | 30.7% |
| 10 | Commonwealth | 78 | 30.8% |
What Jessamine County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jessamine County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,763 | 1,136 | 17.2% | 6.99% | $175,000 |
| 2024 | 2,035 | 1,322 | 15.4% | 6.90% | $195,000 |
| 2025 | 2,419 | 1,545 | 14.7% | 6.63% | $205,000 |
Frequently asked questions
14.7% of applications in Jessamine County were denied in 2025, against 18.8% statewide in Kentucky.
University of Kentucky, with 265 applications in 2025 and a denial rate of 21.9%.
The median mortgage application in Jessamine County in 2025 was for $205,000; the median property value on originated loans was $365,000.