Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Fayette County, Kentucky
Every institution that decided a 1–4 unit mortgage application in Fayette County, home to Lexington-Fayette urban county, between 2023 and 2025: 20,834 applications, 16,984 loans actually funded, across 8 kinds of borrowing.
Fayette County at a glance
20,834Applications decided
2023–2025
16,984Loans funded
82% of decisions
82Census tracts
14 ZIP codes
321,122People
ACS 2023
What the data shows
Lenders approved 92.2% of home-purchase applications in Fayette County, 4.0 points above the Kentucky rate.
The typical purchase mortgage here is $275K.
Investment home improvement is the hardest money to get here: lenders approved 55% of 199 applications.
Lending by loan type in Fayette County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.2% | 8,918 | $275K | 98% | 335 |
| Home improvement loans | 74.0% | 3,390 | $65K | 93% | 86 |
| Cash-out refinance | 72.9% | 2,469 | $155K | 97% | 154 |
| Refinance | 80.7% | 3,409 | $115K | 94% | 173 |
| Investment property purchase | 92.2% | 1,620 | $205K | 98% | 193 |
| Investment cash-out refinance | 81.1% | 254 | $155K | 98% | 87 |
| Investment refinance | 90.1% | 575 | $185K | 96% | 78 |
| Investment home improvement | 54.8% | 199 | $85K | 96% | 45 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.