First National Bank of Omaha in Kentucky vs the state
20.0%Denial rate+1.19 pts vs state
25.0%Decision denial rate+1.51 pts vs state
60.0%Origination rate+1.96 pts vs state
7.00%Median rate+0.25 pts vs state
0.41Rate spread (pts)+0.10 pts vs state
$110kMedian applicant income
3Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 1 | 0.0% | 7.13% | #426 |
| 2024 | 7 | 2 | 0.0% | 6.75% | #449 |
| 2025 | 5 | 3 | 20.0% | 7.00% | #488 |
What First National Bank of Omaha 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 Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carlisle County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
| Pulaski County | 1 | 1 | 0 | 0.0% |
| Trigg County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 0 | 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: 5 applications in 2025, of which 3 were originated and 1 denied.
20.0% of all applications, or 25.0% 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 Omaha originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are First National Bank of Omaha'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