First National Bank of Kentucky in Kentucky vs the state
8.9%Denial rate-9.92 pts vs state
9.2%Decision denial rate-14.29 pts vs state
86.7%Origination rate+28.63 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
78Loans originated
8Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 98 | 84 | 5.1% | — | #179 |
| 2024 | 71 | 56 | 12.7% | — | #219 |
| 2025 | 90 | 78 | 8.9% | — | #218 |
What First National Bank of Kentucky 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 Kentucky applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carroll County | 25 | 22 | 1 | 4.0% |
| Kenton County | 14 | 14 | 0 | 0.0% |
| Boone County | 11 | 9 | 1 | 9.1% |
| Oldham County | 8 | 8 | 0 | 0.0% |
| Gallatin County | 8 | 5 | 2 | 25.0% |
| Owen County | 6 | 6 | 0 | 0.0% |
| Jefferson County | 5 | 4 | 1 | 20.0% |
| Henry County | 4 | 4 | 0 | 0.0% |
| Trimble County | 3 | 0 | 3 | 100.0% |
| Grant 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: 90 applications in 2025, of which 78 were originated and 8 denied.
8.9% of all applications, or 9.2% 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 National Bank of Kentucky'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