Fayette County
Kentucky · FIPS 21067
According to CFPB HMDA 2024 application volume among U.S. counties, Fayette County ranks #286 of 3,223, and #2 of 120 in Kentucky.
Mortgage lending activity in Fayette County, Kentucky based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Fayette County, Kentucky lenders denied 1,464 of the applications reported here, financing the rest at an average note rate of 7.30%, with applicants self-reporting average annual income of $36K. 285 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.9x, meaning typical borrowers took on mortgages of about 7.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Fayette County
In Fayette County, lead originator University of Ky FCU funded 11.6% of 6,285 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 22.8% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Fayette County's 10,615 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Fayette County's $282,625 average loan (deduped against volume peers).
Lenders active in Fayette County
University of Ky FCU funded 731 of the 6,285 loans originated in Fayette County, 11.6% of the county. 285 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | University of Ky FCU | 731 | 11.6% |
| 2 | Central Bank & Trust Co | 375 | 6.0% |
| 3 | Rocket Mortgage | 328 | 5.2% |
| 4 | Guardian Savings Bank | 244 | 3.9% |
| 5 | Stockton Mortgage Corporation | 232 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Fayette County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Fayette County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.