Quicker growth
Originations rose to 204, while similar lenders (state non-member banks making between half and twice as many loans) grew 10%. The bank made 92 loans in 2023. Its dollar lending rose to $72.1 million from $53.7 million.
Applications / Mortgage Analytics / Lenders / Kentucky / Bank of Lexington
Bank of Lexington
Lexington, KY · State non-member bank · FDIC · $401 million assets · 204 loans in 2025
Bank of Lexington's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
204
loans originated, 2025
283
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Lexington made 16% more loans in 2025, faster than similar lenders, and gained share in Lexington-Fayette.
Bigger loans
Its typical loan was $285,000, against $175,000 at similar lenders, higher than at more than four in five. All its loans were conventional and 60.8% were for home purchase.
Gaining at home
It ranked 16 of 389 lenders in Lexington-Fayette, where it has lent since 2007. Its share rose 0.3 points to 1.8%. In 2025 it also made its first loans in Nashville, Fayetteville, NC and Cape Coral-Fort Myers, too few to register a share.
Borrowers and neighborhoods
Low- and moderate-income (LMI) borrowers took 23.3% of its loans, against 27.9% at similar lenders; its bigger loans and focus on purchases are possible reasons. Its share in LMI areas, 20.2%, was higher than the typical 17.3%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
204 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Lexington took 283 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
60.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 60.8% · Refinance 34.3% · Other 3.4% · Home improvement 1.5%
Conventional 100.0% · of 204 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
4 states, 5 metros, 17 counties
| State | Loans | Share |
|---|---|---|
| Kentucky | 200 | 98.0% |
| Tennessee | 2 | 1.0% |
| Florida | 1 | 0.5% |
| North Carolina | 1 | 0.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 185 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Cape Coral-Fort Myers | 1 |
| Cincinnati | 1 |
| Fayetteville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QLZWERAXKGEP54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3410141 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358164 | 2007–2017 |
Established 6 February 2006. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Bank of Lexington's data.
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Bank of Lexington's data
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