First Kentucky Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
29th15.9% deniedProcesswithdrawn + incomplete share, weight 15%
78th5.2%Trend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 154 | 108 | 18.8% | 20.0% | — | $16M |
| 2025 | 173 | 130 | 15.0% | 15.9% | — | $22M |
What First Kentucky Bank 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, 9 manufactured homes, 46 investment properties.
Who gets approved at First Kentucky Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 12 | 40.0% |
| $50k – $100k | 63 | 49 | 13.3% |
| $100k – $150k | 31 | 25 | 6.7% |
| $150k – $250k | 23 | 16 | 23.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 26 | 20.0% |
| 35–44 | 29 | 21 | 18.5% |
| 45–54 | 30 | 24 | 7.4% |
| 55–64 | 21 | 15 | 15.8% |
Where First Kentucky Bank lends
4 states and 20 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Kentucky Bank denied 15.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 25% for refinancing (including cash-out), and 18% for home improvement or other purposes. By loan type: 99% 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.