First Horizon Bank in Kentucky vs the state
18.2%Denial rate-0.63 pts vs state
28.6%Decision denial rate+5.08 pts vs state
45.5%Origination rate-12.59 pts vs state
6.50%Median rate-0.25 pts vs state
0.18Rate spread (pts)-0.13 pts vs state
$239kMedian applicant income
5Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 14 | 22.7% | 6.50% | #314 |
| 2024 | 17 | 10 | 23.5% | 6.81% | #355 |
| 2025 | 11 | 5 | 18.2% | 6.50% | #407 |
What First Horizon Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 2 | 2 | 0 | 0.0% |
| Butler County | 1 | 0 | 0 | 0.0% |
| Anderson County | 1 | 0 | 1 | 100.0% |
| Calloway County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Rowan County | 1 | 0 | 0 | 0.0% |
| Warren County | 1 | 0 | 0 | 0.0% |
| Fayette County | 1 | 0 | 0 | 0.0% |
| McCracken County | 1 | 1 | 0 | 0.0% |
| Muhlenberg 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: 11 applications in 2025, of which 5 were originated and 2 denied.
18.2% of all applications, or 28.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Horizon Bank originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are First Horizon 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