Home improvement loan lenders in Fayette County, Kentucky
Fat Boy Data analyzed home improvement loan activity in Fayette County, Kentucky, home to Lexington-Fayette urban county, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,390 applications were decided by 86 lenders between 2023 and 2025.
Fayette County at a glance
How Fayette County compares
What the data shows
University of Kentucky made the most home improvement loans in Fayette County, KY, 998 of them.
That is 43% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Whitaker Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 20.
Only 2 lenders here typically write at or below $35K: Guardian Savings Bank, Park Federal Credit Union.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Fayette County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | University of Kentucky | 79% | 1,094 / 1,378 | 91% | $65K | 998 |
| 2 | Commonwealth Federal Credit Union | 72% | 195 / 271 | 100% | $65K | 195 |
| 3 | Fifth Third Bank, National Association | 61% | 148 / 241 | 97% | $85K | 144 |
| 4 | Central Bank & Trust Co. | 83% | 159 / 191 | 97% | $65K | 154 |
| 5 | PNC Bank, National Association | 64% | 104 / 162 | 98% | $75K | 102 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 81 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Fayette County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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