First Financial Bank in Kentucky vs the state
39.3%Denial rate+20.53 pts vs state
41.4%Decision denial rate+17.89 pts vs state
53.3%Origination rate-4.76 pts vs state
6.50%Median rate-0.25 pts vs state
0.03Rate spread (pts)-0.28 pts vs state
$68kMedian applicant income
130Loans originated
96Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 228 | 142 | 24.1% | 7.75% | #110 |
| 2024 | 217 | 142 | 24.4% | 7.69% | #127 |
| 2025 | 244 | 130 | 39.3% | 6.50% | #129 |
What First Financial Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hopkins County | 61 | 30 | 27 | 44.3% |
| Christian County | 27 | 15 | 12 | 44.4% |
| Marshall County | 23 | 15 | 8 | 34.8% |
| Warren County | 19 | 7 | 10 | 52.6% |
| Calloway County | 18 | 12 | 6 | 33.3% |
| Trigg County | 16 | 10 | 5 | 31.3% |
| Graves County | 12 | 7 | 4 | 33.3% |
| Hancock County | 12 | 9 | 3 | 25.0% |
| Fulton County | 11 | 7 | 2 | 18.2% |
| Breckinridge County | 7 | 5 | 2 | 28.6% |
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: 244 applications in 2025, of which 130 were originated and 96 denied.
39.3% of all applications, or 41.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Financial Bank originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are First Financial 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