First Grayson Bancorp at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
13th24.0% deniedProcesswithdrawn + incomplete share, weight 15%
60th9.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 196 | 109 | 28.6% | 33.9% | — | $12M |
| 2024 | 192 | 121 | 24.0% | 27.5% | — | $21M |
| 2025 | 189 | 126 | 21.7% | 24.0% | — | $20M |
What First Grayson Bancorp lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 59 manufactured homes, 55 investment properties.
Who gets approved at First Grayson Bancorp
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 18 | 48.6% |
| $50k – $100k | 61 | 38 | 27.3% |
| $100k – $150k | 28 | 16 | 30.4% |
| $150k – $250k | 22 | 16 | 5.6% |
| Over $250k | 20 | 18 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 31 | 15 | 32.0% |
| 35–44 | 32 | 21 | 24.1% |
| 45–54 | 42 | 25 | 35.9% |
| 55–64 | 38 | 29 | 18.9% |
Where First Grayson Bancorp lends
7 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kentucky | 181 | 120 | 22.1% | — | #158 |
Frequently asked questions
First Grayson Bancorp denied 24.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 13th percentile of small mortgage lenders.
In 2025, 52% of its applications were for home purchases, 31% for refinancing (including cash-out), and 17% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.