First National Bank of America in Kentucky vs the state
10.0%Denial rate-8.81 pts vs state
12.5%Decision denial rate-10.99 pts vs state
70.0%Origination rate+11.96 pts vs state
8.75%Median rate+2.00 pts vs state
2.74Rate spread (pts)+2.43 pts vs state
$78kMedian applicant income
56Loans originated
8Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 76 | 7.3% | 10.13% | #168 |
| 2024 | 94 | 72 | 10.6% | 9.50% | #199 |
| 2025 | 80 | 56 | 10.0% | 8.75% | #226 |
What First National Bank of America lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 41 | 27 | 5 | 12.2% |
| Fayette County | 18 | 16 | 1 | 5.6% |
| Barren County | 3 | 0 | 0 | 0.0% |
| Shelby County | 3 | 2 | 0 | 0.0% |
| Clark County | 2 | 1 | 0 | 0.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Carroll County | 2 | 0 | 2 | 100.0% |
| Hardin County | 1 | 1 | 0 | 0.0% |
| Christian County | 1 | 1 | 0 | 0.0% |
| Logan 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: 80 applications in 2025, of which 56 were originated and 8 denied.
10.0% of all applications, or 12.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First National Bank of America originated in Kentucky in 2025 was 8.75%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of America'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