First Harrison Bank in Kentucky vs the state
12.7%Denial rate-6.12 pts vs state
13.7%Decision denial rate-9.75 pts vs state
79.2%Origination rate+21.15 pts vs state
6.49%Median rate-0.26 pts vs state
-0.14Rate spread (pts)-0.45 pts vs state
$88kMedian applicant income
156Loans originated
25Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 176 | 19.3% | 6.55% | #107 |
| 2024 | 213 | 154 | 17.4% | 6.50% | #128 |
| 2025 | 197 | 156 | 12.7% | 6.49% | #148 |
What First Harrison Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Harrison Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bullitt County | 109 | 86 | 16 | 14.7% |
| Jefferson County | 42 | 34 | 4 | 9.5% |
| Nelson County | 12 | 11 | 1 | 8.3% |
| Spencer County | 9 | 8 | 1 | 11.1% |
| Meade County | 4 | 2 | 1 | 25.0% |
| Shelby County | 4 | 3 | 0 | 0.0% |
| Oldham County | 3 | 3 | 0 | 0.0% |
| Hardin County | 2 | 1 | 1 | 50.0% |
| Larue County | 2 | 1 | 1 | 50.0% |
| Fayette County | 2 | 2 | 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: 197 applications in 2025, of which 156 were originated and 25 denied.
12.7% of all applications, or 13.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Harrison Bank originated in Kentucky in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are First Harrison 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