Bank of Lexington, Inc. mortgage approval rate & lending review
Bank of Lexington, Inc. decided 355 mortgage applications and funded 321 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Lexington, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Lexington, Inc. at a glance
Approval is 9.5 points above the 84.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 153 / 161 | 99% | $265K | 151 |
| Refinance | 85% | 39 / 46 | 97% | $345K | 38 |
| Investment property purchase | 95% | 84 / 88 | 90% | $235K | 76 |
| Investment refinance | 96% | 43 / 45 | 100% | $205K | 43 |
Bank of Lexington, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 94% | $265K | 350 | 317 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Lexington, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fayette County, KY | Mortgage lenders | 96% | 154 | 146 |
| Fayette County, KY | Investment property purchase | 95% | 87 | 75 |
| Fayette County, KY | Investment refinance | 95% | 44 | 42 |
| Fayette County, KY | Refinance | 91% | 43 | 38 |
The county markets where Bank of Lexington, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Lexington, Inc.
What is Bank of Lexington, Inc.'s mortgage approval rate?
Bank of Lexington, Inc. approved 93.5% of the 355 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.5 points above the 84.0% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Lexington, Inc. offers?
Borrowers accepted 97% of the loans Bank of Lexington, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Lexington, Inc. make?
The typical home purchase mortgage loan Bank of Lexington, Inc. made was $265K; across all loan types its typical loan ran from $205K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Lexington, Inc. lend?
Bank of Lexington, Inc. decided applications in 4 of the states Fat Boy Data covers, most of them in Kentucky, Tennessee and Florida.
Can I apply to Bank of Lexington, Inc. directly?
Yes. Bank of Lexington, Inc. is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Lexington, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Lexington, Inc. treats applications, then get a rate quote from the lender.