City First Mortgage Services in Kentucky vs the state
6.7%Denial rate-12.14 pts vs state
10.0%Decision denial rate-13.49 pts vs state
60.0%Origination rate+1.96 pts vs state
6.81%Median rate+0.06 pts vs state
0.63Rate spread (pts)+0.32 pts vs state
$90kMedian applicant income
18Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 13 | 0.0% | 7.63% | #349 |
| 2024 | 36 | 25 | 0.0% | 6.99% | #284 |
| 2025 | 30 | 18 | 6.7% | 6.81% | #309 |
What City First Mortgage Services lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 6 | 4 | 0 | 0.0% |
| Logan County | 6 | 0 | 2 | 33.3% |
| Powell County | 4 | 3 | 0 | 0.0% |
| Woodford County | 2 | 1 | 0 | 0.0% |
| Todd County | 2 | 2 | 0 | 0.0% |
| Bourbon County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Mercer 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: 30 applications in 2025, of which 18 were originated and 2 denied.
6.7% of all applications, or 10.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans City First Mortgage Services originated in Kentucky in 2025 was 6.81%, against a statewide median of 6.75%.
About this data. Figures are City First Mortgage Services'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