Peoples Exchange Bank
Peoples Exchange Bank received 319 applications in 2025 and made 205 mortgages, in 43 counties across 2 states. The median rate its borrowers got was 7.000% on a median loan of $205,000. Of 256 decisions, 39 were denials — 15.2%, most often for credit history.
| Legal Entity Identifier | 549300Q3RKNDNMSDEE10 |
|---|---|
| Applications received | 319 |
| Mortgages made | 205 |
| Denied | 39 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 63 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.165 points |
| FDIC-insured bank | Yes: Peoples Exchange Bank, 1 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 127 | 7.000% | $225,000 | 10.8% |
| Refinancing | 57 | 7.500% | $155,000 | 11.6% |
| Cash-out refinancing | 11 | 7.000% | $155,000 | 50.0% |
| Other purposes | 10 | 7.500% | $120,000 | 9.1% |
Where Peoples Exchange Bank lends most
The 43 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fayette County, KY | 45 | 7.500% | 6.1% |
| Scott County, KY | 27 | 6.750% | 6.7% |
| Montgomery County, KY | 23 | 7.063% | 23.3% |
| Clark County, KY | 22 | 7.500% | 14.3% |
| Powell County, KY | 20 | 7.150% | 14.8% |
| Madison County, KY | 9 | Under 10 loans | 0.0% |
| Hamilton County, OH | 9 | Under 10 loans | 18.2% |
| Boone County, KY | 5 | Under 10 loans | 16.7% |
| Bourbon County, KY | 5 | Under 10 loans | 0.0% |
| Garrard County, KY | 5 | Under 10 loans | 0.0% |
| Campbell County, KY | 4 | Under 10 loans | 0.0% |
| Greenup County, KY | 4 | Under 10 loans | 0.0% |
| Grant County, KY | 3 | Under 10 loans | 0.0% |
| Harrison County, KY | 3 | Under 10 loans | 0.0% |
| Jessamine County, KY | 2 | Under 10 loans | 0.0% |
| Wolfe County, KY | 2 | Under 10 loans | 50.0% |
| Barren County, KY | 1 | Under 10 loans | 0.0% |
| Bath County, KY | 1 | Under 10 loans | 66.7% |
| Boyd County, KY | 1 | Under 10 loans | 0.0% |
| Boyle County, KY | 1 | Under 10 loans | 25.0% |
| Carter County, KY | 1 | Under 10 loans | 0.0% |
| Estill County, KY | 1 | Under 10 loans | 66.7% |
| Fleming County, KY | 1 | Under 10 loans | 0.0% |
| Franklin County, KY | 1 | Under 10 loans | 0.0% |
| Grayson County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Kenton County, KY | 1 | Under 10 loans | 0.0% |
| Lee County, KY | 1 | Under 10 loans | 50.0% |
| Mason County, KY | 1 | Under 10 loans | 0.0% |
| Menifee County, KY | 1 | Under 10 loans | 0.0% |
| Oldham County, KY | 1 | Under 10 loans | 0.0% |
| Owen County, KY | 1 | Under 10 loans | 0.0% |
| Woodford County, KY | 1 | Under 10 loans | 50.0% |
| Edmonson County, KY | 0 | Under 10 loans | 100.0% |
| Laurel County, KY | 0 | Under 10 loans | Not published |
| Lewis County, KY | 0 | Under 10 loans | Not published |
| Mercer County, KY | 0 | Under 10 loans | 0.0% |
| Morgan County, KY | 0 | Under 10 loans | 100.0% |
| Nicholas County, KY | 0 | Under 10 loans | 50.0% |
| Owsley County, KY | 0 | Under 10 loans | 100.0% |
| Rowan County, KY | 0 | Under 10 loans | 100.0% |
| Shelby County, KY | 0 | Under 10 loans | Not published |
| Warren County, OH | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.