Mortgage lenders in Jessamine County
1,545 mortgages were made in Jessamine County, Kentucky, in 2025, by 206 lenders. The median rate their borrowers got was 6.625% on a median loan of $215,000. Of 1,976 decisions, 355 were denials — 18.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNIVERSITY OF KENTUCKY | 163 | 6.500% | $105,000 | 24.4% |
| Rocket Mortgage, LLC | 92 | 6.500% | $195,000 | 9.4% |
| Central Bank & Trust Company | 73 | 7.000% | $235,000 | 11.9% |
| Guardian Savings Bank | 72 | 6.500% | $295,000 | 9.9% |
| City National Bank of West Virginia | 68 | 6.500% | $210,000 | 17.7% |
| The Farmers Bank | 67 | Not published | $205,000 | 2.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 6.500% | $275,000 | 9.8% |
| COMMONWEALTH | 53 | 7.000% | $155,000 | 30.8% |
| STOCKTON MORTGAGE CORPORATION | 51 | 6.375% | $345,000 | 3.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 41 | 6.625% | $245,000 | 2.4% |
| Fifth Third Bank, National Association | 40 | 7.250% | $125,000 | 30.7% |
| Stock Yards Bank & Trust Company | 33 | 6.500% | $195,000 | 26.7% |
| PNC Bank, National Association | 29 | 7.400% | $105,000 | 34.1% |
| WesBanco Bank, Inc. | 28 | 6.063% | $205,000 | 24.3% |
| JPMorgan Chase Bank, National Association | 27 | 6.375% | $225,000 | 3.5% |
| Bank of Lexington, Inc. | 27 | Not published | $345,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 22 | 6.438% | $265,000 | 10.3% |
| Broker Solutions, Inc. | 22 | 6.750% | $260,000 | 8.3% |
| Republic Bank & Trust Company | 21 | 6.375% | $245,000 | 4.6% |
| Community Trust Bank, Inc. | 19 | 6.500% | $425,000 | 13.6% |
| First Southern National Bank | 19 | 7.500% | $165,000 | 5.0% |
| Luminate Bank | 18 | 6.625% | $270,000 | 0.0% |
| Traditional Bank, Inc. | 18 | 7.438% | $275,000 | 9.5% |
| Mortgage Research Center, LLC | 15 | 6.250% | $275,000 | 33.3% |
| T2 FINANCIAL LLC | 15 | 6.490% | $245,000 | 10.5% |
| Old National Bank | 14 | 6.250% | $450,000 | 12.5% |
| The Citizens National Bank of Somerset | 13 | Not published | $215,000 | 0.0% |
| Ixonia Bank | 12 | 6.750% | $260,000 | 7.7% |
| Bank of the Bluegrass and Trust Company | 12 | Not published | $735,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.125% | $115,000 | 31.6% |
| Loandepot.Com, LLC | 11 | 5.990% | $185,000 | 0.0% |
| Coastal Community Bank | 10 | 11.615% | $55,000 | 0.0% |
| U.S. Bank National Association | 10 | 6.875% | $250,000 | 52.4% |
| Truist Bank | 10 | 6.428% | $175,000 | 28.6% |
| MEMBERS HERITAGE Credit Union | 10 | 6.125% | $65,000 | 8.3% |
| Citizens Bank, National Association | 10 | 7.900% | $140,000 | 8.3% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RUOFF MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 63.2% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Health and Education Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH CENTRAL BANK, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 72.7% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Whitaker Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Independence Bank of Kentucky | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Park Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Commonwealth Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| REPUBLIC STATE MORTGAGE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL KENTUCKY AGRICULTURAL CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIELD & MAIN BANK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Exchange Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Forcht Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Abound Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Y-12 Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Civista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ECLIPSE BANK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Monticello Banking Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY BANC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank & Trust Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Meade County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| L & N Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Village Bank and Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Cecilian Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank of Kankakee County | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AAFMAA Mortgage Services LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SUPERIOR CREDIT UNION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Renasant Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Toyota Financial Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ALTRA Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Devon Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CITIZENS EQUITY FIRST | 0 | Under 10 loans | Under 10 loans | Not published |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 6 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Jessamine County
16 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Farmers Bank | 4 | $250.7 million |
| Central Bank & Trust Co. | 2 | $170.8 million |
| Stock Yards Bank & Trust Company | 2 | $60.5 million |
| WesBanco Bank, Inc. | 1 | $117.0 million |
| PNC Bank, National Association | 1 | $95.6 million |
| City National Bank of West Virginia | 1 | $93.0 million |
| First Southern National Bank | 1 | $72.6 million |
| JPMorgan Chase Bank, National Association | 1 | $65.3 million |
| The Citizens National Bank of Somerset | 1 | $17.6 million |
| The Monticello Banking Company | 1 | $8.4 million |
| Woodforest National Bank | 1 | $2.0 million |
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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.