1st National Bank in Kentucky vs the state
5.6%Denial rate-13.25 pts vs state
6.3%Decision denial rate-17.24 pts vs state
83.3%Origination rate+25.29 pts vs state
6.63%Median rate-0.13 pts vs state
0.10Rate spread (pts)-0.21 pts vs state
$152kMedian applicant income
15Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 22 | 3.6% | 6.50% | #292 |
| 2024 | 39 | 26 | 0.0% | 6.63% | #275 |
| 2025 | 18 | 15 | 5.6% | 6.63% | #366 |
What 1st National Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most 1st National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Campbell County | 4 | 3 | 1 | 25.0% |
| Boone County | 4 | 3 | 0 | 0.0% |
| Kenton County | 3 | 3 | 0 | 0.0% |
| Grant County | 2 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Floyd County | 1 | 1 | 0 | 0.0% |
| Greenup County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 18 applications in 2025, of which 15 were originated and 1 denied.
5.6% of all applications, or 6.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans 1st National Bank originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are 1st National Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology