Lenders › Peoples Exchange Bank › Kentucky
Peoples Exchange Bank in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Peoples Exchange Bank's 2024 HMDA record for Kentucky covers 383 applications, 279 of them originated, worth $78m.
Its denial rate in the state was 10.8%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 11.3%.
The median rate spread on its Kentucky originations was 0.0 percentage points (state median 0.4).
Applications in the state were up 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Peoples Exchange Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.8% | 25.0% | 11.3% | 24.3% |
| Median rate spread, pp | 0.0 | 0.4 | 0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 16.0% | 0.0% | 15.6% |
| Average originated loan | $281k | $219k | $279k | $329k |
| Home purchase share | 76.3% | 55.3% | 75.6% | 57.0% |
| FHA-insured share | 14.3% | 14.6% | 14.1% | 13.4% |
| VA-guaranteed share | 3.9% | 8.0% | 3.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 76% (213)Home improvement 3% (9)Refinancing 16% (45)Cash-out refinancing 4% (12)
By type
Conventional 80% (223)FHA 14% (40)VA 4% (11)USDA 2% (5)
Denial reasons as coded
Share of 34 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fayette County | 74 | 65 | $18m | 1.5% |
| Scott County | 83 | 63 | $21m | 7.4% |
| Clark County | 36 | 26 | $4.3m | 13.3% |
| Montgomery County | 38 | 19 | $9.9m | 26.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Peoples Exchange Bank originate in Kentucky in 2024?
279 loans totalling $78m, from 383 applications reported for properties in Kentucky.
What is Peoples Exchange Bank's denial rate in Kentucky?
10.8% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 11.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kentucky counties does Peoples Exchange Bank lend in most?
By originations: Fayette County (65), Scott County (63), Clark County (26), Montgomery County (19).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.