First Grayson Bancorp in Kentucky vs the state
22.1%Denial rate+3.29 pts vs state
24.4%Decision denial rate+0.90 pts vs state
66.3%Origination rate+8.26 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
120Loans originated
40Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 190 | 108 | 28.4% | — | #128 |
| 2024 | 178 | 118 | 20.2% | — | #140 |
| 2025 | 181 | 120 | 22.1% | — | #158 |
What First Grayson Bancorp lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most First Grayson Bancorp applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carter County | 71 | 50 | 11 | 15.5% |
| Rowan County | 34 | 23 | 8 | 23.5% |
| Boyd County | 20 | 10 | 7 | 35.0% |
| Elliott County | 15 | 11 | 4 | 26.7% |
| Morgan County | 11 | 9 | 1 | 9.1% |
| Greenup County | 5 | 3 | 2 | 40.0% |
| Clark County | 4 | 2 | 1 | 25.0% |
| Magoffin County | 3 | 1 | 1 | 33.3% |
| Lewis County | 3 | 2 | 1 | 33.3% |
| Wolfe County | 2 | 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: 181 applications in 2025, of which 120 were originated and 40 denied.
22.1% of all applications, or 24.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Grayson Bancorp'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