Mortgage lenders in Fayette County
7,013 mortgages were made in Fayette County, Kentucky, in 2025, by 382 lenders. The median rate their borrowers got was 6.750% on a median loan of $215,000. Of 8,855 decisions, 1,507 were denials — 17.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNIVERSITY OF KENTUCKY | 863 | 7.000% | $95,000 | 23.3% |
| Rocket Mortgage, LLC | 360 | 6.750% | $205,000 | 15.0% |
| Central Bank & Trust Company | 328 | 7.000% | $225,000 | 8.6% |
| Guardian Savings Bank | 305 | 6.500% | $265,000 | 6.3% |
| COMMONWEALTH | 296 | 7.250% | $125,000 | 21.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 290 | 6.624% | $265,000 | 2.4% |
| Fifth Third Bank, National Association | 275 | 7.500% | $105,000 | 30.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 237 | 6.125% | $285,000 | 10.1% |
| Republic Bank & Trust Company | 207 | 6.250% | $235,000 | 7.9% |
| STOCKTON MORTGAGE CORPORATION | 198 | 6.500% | $325,000 | 5.6% |
| JPMorgan Chase Bank, National Association | 187 | 6.625% | $235,000 | 5.5% |
| Stock Yards Bank & Trust Company | 152 | 6.375% | $265,000 | 11.1% |
| Bank of Lexington, Inc. | 143 | Not published | $285,000 | 4.0% |
| Traditional Bank, Inc. | 141 | 7.500% | $215,000 | 5.3% |
| U.S. Bank National Association | 119 | 6.990% | $205,000 | 39.3% |
| Luminate Bank | 119 | 6.625% | $285,000 | 0.8% |
| PNC Bank, National Association | 112 | 7.440% | $105,000 | 34.3% |
| Community Trust Bank, Inc. | 103 | 7.125% | $205,000 | 16.8% |
| Broker Solutions, Inc. | 91 | 6.625% | $255,000 | 11.5% |
| City National Bank of West Virginia | 80 | 6.350% | $240,000 | 19.1% |
| T2 FINANCIAL LLC | 78 | 6.625% | $310,000 | 6.7% |
| FREEDOM MORTGAGE CORPORATION | 72 | 6.250% | $245,000 | 11.4% |
| WesBanco Bank, Inc. | 71 | 6.250% | $215,000 | 18.9% |
| MEMBERS HERITAGE Credit Union | 71 | 6.500% | $105,000 | 4.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 67 | 6.125% | $295,000 | 5.6% |
| Truist Bank | 63 | 6.340% | $205,000 | 37.7% |
| NATIONSTAR MORTGAGE LLC | 63 | 8.375% | $75,000 | 15.4% |
| PENNYMAC LOAN SERVICES, LLC | 57 | 6.250% | $225,000 | 17.8% |
| LOWER, LLC | 57 | 6.500% | $265,000 | 5.0% |
| Mortgage Research Center, LLC | 52 | 6.500% | $280,000 | 32.9% |
| Bank of the Bluegrass and Trust Company | 50 | Not published | $285,000 | 5.7% |
| Ixonia Bank | 47 | 6.875% | $265,000 | 2.1% |
| Peoples Exchange Bank | 45 | 7.500% | $265,000 | 6.1% |
| Bank of America, National Association | 43 | 6.250% | $225,000 | 34.8% |
| NEWREZ LLC | 42 | 6.750% | $230,000 | 22.2% |
| Old National Bank | 42 | 6.125% | $285,000 | 8.7% |
| RUOFF MORTGAGE COMPANY, INC. | 42 | 6.625% | $235,000 | 8.3% |
| The Health and Education Federal Credit Union | 37 | 7.250% | $45,000 | 9.8% |
| MORTGAGE INVESTORS GROUP, INC. | 33 | 6.750% | $255,000 | 8.1% |
| Whitaker Bank | 32 | 6.500% | $145,000 | 2.9% |
| Loandepot.Com, LLC | 31 | 6.990% | $165,000 | 27.9% |
| Navy Federal Credit Union | 29 | 7.250% | $215,000 | 21.6% |
| UNION HOME MORTGAGE CORP. | 28 | 6.813% | $235,000 | 9.7% |
| AmeriSave Mortgage Corporation | 27 | 7.125% | $125,000 | 59.7% |
| Coastal Community Bank | 25 | 10.240% | $55,000 | 4.0% |
| SOUTH CENTRAL BANK, INC. | 24 | 7.375% | $195,000 | 3.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.750% | $225,000 | 23.3% |
| The Home Savings and Loan Company of Kenton, Ohio | 23 | Not published | $185,000 | 0.0% |
| Park Federal Credit Union | 22 | 7.250% | $205,000 | 4.4% |
| REPUBLIC STATE MORTGAGE CO. | 22 | 6.500% | $295,000 | 0.0% |
| SPRING EQ, LLC | 21 | 8.950% | $55,000 | 54.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 21 | 7.690% | $85,000 | 4.6% |
| The Federal Savings Bank | 21 | 6.750% | $285,000 | 16.0% |
| FIELD & MAIN BANK, INC. | 21 | Not published | $245,000 | 4.6% |
| Lendage, LLC | 20 | 11.375% | $60,000 | 12.5% |
| Prosperity Home Mortgage, LLC | 19 | 6.375% | $205,000 | 13.6% |
| AMWEST FUNDING CORP. | 19 | 7.375% | $235,000 | 0.0% |
| Citizens Bank, National Association | 18 | 7.150% | $170,000 | 16.7% |
| The Huntington National Bank | 18 | 7.125% | $280,000 | 24.0% |
| USAA Federal Savings Bank | 17 | 6.500% | $345,000 | 32.0% |
| First National Bank of America | 16 | 8.933% | $225,000 | 5.9% |
| Northpointe Bank | 15 | 7.500% | $255,000 | 11.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.990% | $245,000 | 15.8% |
| SWBC MORTGAGE CORPORATION | 15 | 6.375% | $255,000 | 6.3% |
| FIGURE LENDING LLC | 14 | 10.225% | $65,000 | 20.0% |
| Wells Fargo Bank, National Association | 14 | 6.438% | $280,000 | 17.7% |
| GENEVA FINANCIAL, LLC | 14 | 6.375% | $245,000 | 6.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 6.625% | $115,000 | 50.0% |
| Peoples Bank | 13 | 6.750% | $285,000 | 30.0% |
| Independence Bank of Kentucky | 12 | 6.920% | $225,000 | 7.7% |
| ENVOY MORTGAGE, LTD | 12 | 6.750% | $340,000 | 7.7% |
| The Monticello Banking Company | 12 | Not published | $315,000 | 0.0% |
| The Farmers Bank | 12 | Not published | $250,000 | 0.0% |
| Magnolia Bank, Incorporated | 12 | 6.558% | $290,000 | 7.7% |
| NEW DAY FINANCIAL, LLC | 11 | 6.500% | $325,000 | 41.7% |
| GUARANTEED RATE, INC. | 11 | 6.300% | $285,000 | 21.4% |
| Liberty | 11 | 6.375% | $255,000 | 7.7% |
| THE LOAN STORE, INC. | 11 | 6.500% | $305,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 6.625% | $335,000 | 8.3% |
| KIND LENDING, LLC | 11 | 7.375% | $315,000 | 0.0% |
| BPL MORTGAGE TRUST, LLC | 11 | 6.750% | $145,000 | 0.0% |
| Luminate Home Loans, Inc. | 10 | 6.870% | $270,000 | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 10 | 6.933% | $215,000 | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Forcht Bank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Civista Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 61.1% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 35.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 15.4% |
| Union Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Cumberland Valley National Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Southern National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| COMMUNITYAMERICA CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 68.4% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Somerset | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 36.4% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Abound Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| L & N Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilson & Muir Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 84.6% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 63.6% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Cecilian Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 62.5% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DESCO | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Miners Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS BANK OF KENTUCKY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Cumberland Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MM LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASHLAND Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hearthside Bank Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Grand Bank for Savings, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Lincoln National Bank of Hodgenville | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 182 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Fayette County
114 FDIC-insured branches from 31 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Field & Main Bank, 369 E Main St, Lexington
- First State Bank of the Southeast, Inc, 3620 Walden Dr, Lexington
- Traditional Bank, Inc., 2197 Nicholasville Rd, Lexington
- WesBanco Bank, Inc., 400 E Vine St, Lexington
Get told when this changes
When the next year’s lending figures are out for Fayette County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.