First Kentucky Bank in Kentucky vs the state
16.4%Denial rate-2.46 pts vs state
17.3%Decision denial rate-6.16 pts vs state
73.0%Origination rate+14.92 pts vs state
—Median rate
—Rate spread (pts)
$83kMedian applicant income
116Loans originated
26Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 143 | 97 | 20.3% | — | #162 |
| 2025 | 159 | 116 | 16.4% | — | #164 |
What First Kentucky Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most First Kentucky Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Graves County | 51 | 37 | 10 | 19.6% |
| Muhlenberg County | 41 | 38 | 2 | 4.9% |
| Marshall County | 37 | 23 | 9 | 24.3% |
| McCracken County | 7 | 4 | 1 | 14.3% |
| Ohio County | 5 | 3 | 1 | 20.0% |
| Hopkins County | 4 | 1 | 1 | 25.0% |
| Livingston County | 3 | 2 | 0 | 0.0% |
| Carlisle County | 3 | 2 | 1 | 33.3% |
| Lyon County | 2 | 2 | 0 | 0.0% |
| Daviess County | 1 | 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: 159 applications in 2025, of which 116 were originated and 26 denied.
16.4% of all applications, or 17.3% 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 Kentucky 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