First Guaranty Bank in Kentucky vs the state
24.0%Denial rate+5.19 pts vs state
24.0%Decision denial rate+0.51 pts vs state
72.0%Origination rate+13.96 pts vs state
—Median rate
—Rate spread (pts)
$103kMedian applicant income
18Loans originated
6Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 30 | 5.6% | — | #266 |
| 2024 | 33 | 15 | 30.3% | — | #286 |
| 2025 | 25 | 18 | 24.0% | — | #327 |
What First Guaranty Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most First Guaranty Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lewis County | 15 | 12 | 3 | 20.0% |
| Mason County | 4 | 2 | 1 | 25.0% |
| Rowan County | 2 | 2 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Greenup County | 1 | 0 | 1 | 100.0% |
| Bracken County | 1 | 1 | 0 | 0.0% |
| Fleming County | 1 | 0 | 1 | 100.0% |
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: 25 applications in 2025, of which 18 were originated and 6 denied.
24.0% of all applications, or 24.0% 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 Guaranty 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