Home purchase lenders in Fayette County
3,308 home purchase mortgages were made in Fayette County, Kentucky, in 2025, by 288 lenders. The median rate their borrowers got was 6.625% on a median loan of $275,000. Of 3,632 decisions, 259 were denials — 7.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 260 | 6.624% | $265,000 | 0.4% |
| STOCKTON MORTGAGE CORPORATION | 182 | 6.500% | $325,000 | 3.7% |
| Central Bank & Trust Company | 179 | 6.500% | $275,000 | 3.7% |
| Guardian Savings Bank | 158 | 6.625% | $305,000 | 3.6% |
| JPMorgan Chase Bank, National Association | 116 | 6.563% | $285,000 | 4.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 115 | 6.375% | $285,000 | 7.2% |
| Luminate Bank | 114 | 6.625% | $285,000 | 0.9% |
| Republic Bank & Trust Company | 110 | 6.500% | $295,000 | 2.6% |
| Rocket Mortgage, LLC | 108 | 6.625% | $275,000 | 9.1% |
| Stock Yards Bank & Trust Company | 98 | 6.375% | $295,000 | 4.9% |
| Bank of Lexington, Inc. | 94 | Not published | $265,000 | 3.1% |
| COMMONWEALTH | 81 | 6.750% | $225,000 | 7.7% |
| Broker Solutions, Inc. | 80 | 6.625% | $265,000 | 2.4% |
| T2 FINANCIAL LLC | 76 | 6.625% | $320,000 | 5.9% |
| Traditional Bank, Inc. | 69 | 7.000% | $285,000 | 2.8% |
| UNIVERSITY OF KENTUCKY | 66 | 6.745% | $175,000 | 17.8% |
| U.S. Bank National Association | 65 | 6.625% | $265,000 | 16.7% |
| Fifth Third Bank, National Association | 59 | 6.625% | $265,000 | 13.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 52 | 6.188% | $285,000 | 3.7% |
| LOWER, LLC | 50 | 6.438% | $270,000 | 2.0% |
| Community Trust Bank, Inc. | 49 | 6.250% | $265,000 | 14.0% |
| Mortgage Research Center, LLC | 43 | 6.500% | $285,000 | 6.4% |
| City National Bank of West Virginia | 41 | 6.350% | $315,000 | 8.2% |
| Ixonia Bank | 40 | 6.875% | $260,000 | 2.4% |
| WesBanco Bank, Inc. | 35 | 6.625% | $285,000 | 5.1% |
| RUOFF MORTGAGE COMPANY, INC. | 35 | 6.625% | $225,000 | 7.5% |
| MORTGAGE INVESTORS GROUP, INC. | 29 | 6.750% | $255,000 | 9.1% |
| Old National Bank | 25 | 6.125% | $340,000 | 3.9% |
| UNION HOME MORTGAGE CORP. | 24 | 6.813% | $240,000 | 4.0% |
| Truist Bank | 22 | 6.490% | $305,000 | 8.3% |
| Peoples Exchange Bank | 22 | 7.500% | $270,000 | 4.4% |
| MEMBERS HERITAGE Credit Union | 22 | 5.750% | $260,000 | 0.0% |
| Bank of America, National Association | 21 | 6.375% | $255,000 | 16.0% |
| Bank of the Bluegrass and Trust Company | 21 | Not published | $305,000 | 8.7% |
| REPUBLIC STATE MORTGAGE CO. | 20 | 6.438% | $300,000 | 0.0% |
| The Federal Savings Bank | 18 | 6.875% | $285,000 | 5.3% |
| USAA Federal Savings Bank | 15 | 6.375% | $385,000 | 34.8% |
| Prosperity Home Mortgage, LLC | 15 | 6.375% | $205,000 | 6.3% |
| PNC Bank, National Association | 15 | 6.625% | $275,000 | 16.7% |
| SWBC MORTGAGE CORPORATION | 15 | 6.375% | $255,000 | 6.3% |
| SOUTH CENTRAL BANK, INC. | 15 | 7.250% | $205,000 | 5.9% |
| First National Bank of America | 15 | 8.875% | $235,000 | 6.3% |
| GENEVA FINANCIAL, LLC | 14 | 6.375% | $245,000 | 6.7% |
| Whitaker Bank | 14 | 6.375% | $255,000 | 0.0% |
| AMWEST FUNDING CORP. | 13 | 7.375% | $235,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 12 | 6.750% | $340,000 | 0.0% |
| FIELD & MAIN BANK, INC. | 12 | Not published | $215,000 | 7.7% |
| Park Federal Credit Union | 12 | 6.688% | $235,000 | 7.7% |
| Navy Federal Credit Union | 11 | 6.000% | $285,000 | 21.4% |
| NEWREZ LLC | 11 | 6.500% | $275,000 | 8.3% |
| KIND LENDING, LLC | 11 | 7.375% | $315,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.813% | $235,000 | 9.1% |
| Luminate Home Loans, Inc. | 10 | 6.870% | $270,000 | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 10 | 6.933% | $215,000 | 0.0% |
| Magnolia Bank, Incorporated | 10 | 6.625% | $290,000 | 0.0% |
| Civista Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 10.0% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Independence Bank of Kentucky | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Peoples Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Forcht Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 72.2% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Union Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Health and Education Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Southern National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilson & Muir Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 63.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Monticello Banking Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Abound Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cumberland Valley National Bank & Trust Company | 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% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| L & N Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Cecilian Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DESCO | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Somerset | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hearthside Bank Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Lincoln National Bank of Hodgenville | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS BANK OF KENTUCKY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Harrison Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cedar Rapids Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Brooksville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Grayson Bancorp, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Michigan Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grandbridge Real Estate Capital LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Buffalo | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 1 | 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 88 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.