First Financial Bank in Kentucky vs the state
16.2%Denial rate-2.59 pts vs state
18.0%Decision denial rate-5.53 pts vs state
73.6%Origination rate+15.58 pts vs state
6.38%Median rate-0.38 pts vs state
0.19Rate spread (pts)-0.12 pts vs state
$67kMedian applicant income
1,239Loans originated
273Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,413 | 957 | 23.8% | 6.88% | #25 |
| 2024 | 1,540 | 1,055 | 21.6% | 6.99% | #26 |
| 2025 | 1,683 | 1,239 | 16.2% | 6.38% | #26 |
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 |
|---|---|---|---|---|
| Jefferson County | 1,076 | 834 | 124 | 11.5% |
| Boone County | 130 | 95 | 26 | 20.0% |
| Kenton County | 101 | 67 | 25 | 24.8% |
| Shelby County | 54 | 34 | 17 | 31.5% |
| Campbell County | 48 | 30 | 14 | 29.2% |
| Oldham County | 38 | 30 | 4 | 10.5% |
| Bullitt County | 35 | 25 | 3 | 8.6% |
| Mercer County | 32 | 21 | 10 | 31.3% |
| Anderson County | 23 | 15 | 7 | 30.4% |
| Grant County | 15 | 9 | 4 | 26.7% |
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: 1,683 applications in 2025, of which 1,239 were originated and 273 denied.
16.2% of all applications, or 18.0% 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 6.38%, 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