Citizens Equity First in Kentucky vs the state
15.4%Denial rate-3.43 pts vs state
18.2%Decision denial rate-5.31 pts vs state
69.2%Origination rate+11.19 pts vs state
6.75%Median rate0.00 pts vs state
0.06Rate spread (pts)-0.25 pts vs state
$91kMedian applicant income
9Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 9 | 11.1% | 6.50% | #330 |
| 2024 | 14 | 6 | 28.6% | 8.25% | #373 |
| 2025 | 13 | 9 | 15.4% | 6.75% | #383 |
What Citizens Equity First lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Citizens Equity First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Lyon County | 2 | 1 | 1 | 50.0% |
| Laurel County | 2 | 2 | 0 | 0.0% |
| Jessamine County | 1 | 0 | 0 | 0.0% |
| Kenton County | 1 | 1 | 0 | 0.0% |
| Boyle County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Whitley County | 1 | 1 | 0 | 0.0% |
| Trigg County | 1 | 1 | 0 | 0.0% |
| Pike County | 1 | 0 | 1 | 100.0% |
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: 13 applications in 2025, of which 9 were originated and 2 denied.
15.4% of all applications, or 18.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Citizens Equity First originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Citizens Equity First'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