Lexington-Fayette, KY Metro Area Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 24,951 mortgage applications in Lexington-Fayette, KY metro area totaling $4.5 billion, up 10% from 2015. The average application was for $179,093, and applicants reported an average income of $78,000. 58% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank NA, with 1,431 applications, followed by Guardian Savings Bank, A Federal Savings Bank and Central Bank & Trust Co.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 24,951 |
| Total Mortgage Loan Application Amount | $4,468,554,000 |
| Average Mortgage Loan Application Amount | $179,093 |
| Highest Mortgage Loan Application Amount | $17,150,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $7,846,000 |
Top Mortgage Lenders in Lexington-Fayette, KY Metro Area (2016)
Ranked by the number of mortgage applications each lender reported in Lexington-Fayette, KY metro area in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
1,431 | $268,953,000 | $187,000 | $81,000 |
| 2 | Guardian Savings Bank, A Federal Savings Bank West Chester, OH |
1,420 | $251,705,000 | $177,000 | $95,000 |
| 3 | Central Bank & Trust Co Lexington, KY |
1,288 | $248,612,000 | $193,000 | $111,000 |
| 4 | Ark-La-Tex Financial Services LLC Plano, TX |
1,025 | $204,889,000 | $199,000 | $98,000 |
| 5 | US Bank, N.A. Cincinnati, OH |
898 | $153,766,000 | $171,000 | $60,000 |
| 6 | JPMorgan Chase Bank, NA Columbus, OH |
766 | $153,014,000 | $199,000 | $93,000 |
| 7 | Stockton Mortgage Corporation Frankfort, KY |
759 | $106,345,000 | $140,000 | $63,000 |
| 8 | Fifth Third Mortgage Company Cincinnati, OH |
717 | $150,262,000 | $209,000 | $106,000 |
| 9 | Traditional Bank Inc Mt Sterling, KY |
607 | $133,338,000 | $219,000 | $69,000 |
| 10 | Peoples Exchange Bank Winchester, KY |
568 | $90,559,000 | $159,000 | $70,000 |
See every lender active in Lexington-Fayette, KY metro area in 2016 »
The tables below break down 2016 mortgage applications in Lexington-Fayette, KY metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lexington-Fayette, KY in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 13,421 | $2,437,949,000 | $181,000 | $17,150,000 | $75,000 | $7,846,000 |
| Refinancing | 10,291 | $1,895,957,000 | $184,000 | $13,500,000 | $81,000 | $3,000,000 |
| Home Improvement | 1,239 | $134,648,000 | $108,000 | $3,417,000 | $86,000 | $1,253,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 17,758 | $3,103,411,000 | $174,000 | $3,417,000 | $90,000 | $7,846,000 |
| Not applicable | 3,373 | $745,395,000 | $220,000 | $17,150,000 | $12,000 | $1,430,000 |
| Not Provided | 1,610 | $274,583,000 | $170,000 | $1,865,000 | $86,000 | $2,940,000 |
| Black or African American | 1,126 | $161,762,000 | $143,000 | $1,089,000 | $63,000 | $871,000 |
| Hispanic | 523 | $71,167,000 | $136,000 | $833,000 | $65,000 | $807,000 |
| Asian | 462 | $91,962,000 | $199,000 | $945,000 | $108,000 | $679,000 |
| American Indian or Alaskan Native | 66 | $14,376,000 | $217,000 | $1,680,000 | $148,000 | $1,828,000 |
| Native Hawaiin or Other Pacific Islander | 33 | $5,898,000 | $178,000 | $416,000 | $76,000 | $258,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 17,251 | $3,257,047,000 | $188,000 | $17,150,000 | $94,000 | $7,846,000 |
| FHA-insured (Federal Housing Administration) | 4,714 | $686,964,000 | $145,000 | $564,000 | $41,000 | $479,000 |
| VA-guaranteed (Veterans Administration) | 2,059 | $398,366,000 | $193,000 | $926,000 | $51,000 | $1,948,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 927 | $126,177,000 | $136,000 | $334,000 | $33,000 | $131,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 14,531 | $2,710,368,000 | $186,000 | $17,150,000 | $88,000 | $7,846,000 |
| Loan Purchased By The Institution | 3,856 | $675,100,000 | $175,000 | $3,139,000 | $40,000 | $1,430,000 |
| Application Denied By Financial Institution | 2,822 | $445,679,000 | $157,000 | $3,416,000 | $74,000 | $2,940,000 |
| Application Withdrawn By Applicant | 2,151 | $379,315,000 | $176,000 | $3,750,000 | $84,000 | $1,732,000 |
| File Closed For Incompleteness | 813 | $123,540,000 | $151,000 | $1,020,000 | $66,000 | $3,000,000 |
| Application Approved But Not Accepted | 778 | $134,552,000 | $172,000 | $1,900,000 | $87,000 | $1,948,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 547 | $61,754,000 | $112,000 | $1,050,000 | $79,000 | $2,940,000 |
| Debt-To-Income Ratio | 527 | $91,926,000 | $174,000 | $2,000,000 | $57,000 | $1,096,000 |
| Credit Application Incomplete | 341 | $54,741,000 | $160,000 | $847,000 | $85,000 | $685,000 |
| Collateral | 322 | $60,582,000 | $188,000 | $2,000,000 | $100,000 | $786,000 |
| Other | 147 | $25,739,000 | $175,000 | $2,600,000 | $83,000 | $786,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 56 | $8,904,000 | $159,000 | $606,000 | $65,000 | $375,000 |
| Unverifiable Information | 53 | $6,902,000 | $130,000 | $512,000 | $77,000 | $213,000 |
| Employment History | 45 | $7,630,000 | $169,000 | $413,000 | $65,000 | $180,000 |
| Mortgage Insurance Denied | 2 | $805,000 | $402,000 | $417,000 | $168,000 | $195,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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