First Savings Bank in Kentucky vs the state
28.0%Denial rate+9.19 pts vs state
33.3%Decision denial rate+9.84 pts vs state
52.0%Origination rate-6.04 pts vs state
7.00%Median rate+0.25 pts vs state
0.05Rate spread (pts)-0.26 pts vs state
$146kMedian applicant income
13Loans originated
7Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 233 | 164 | 6.0% | 6.75% | #109 |
| 2024 | 32 | 14 | 21.9% | 7.63% | #293 |
| 2025 | 25 | 13 | 28.0% | 7.00% | #331 |
What First Savings Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 14 | 9 | 4 | 28.6% |
| Logan County | 3 | 0 | 3 | 100.0% |
| Breckinridge County | 2 | 0 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Grayson County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 0 | 0 | 0.0% |
| Trimble County | 1 | 1 | 0 | 0.0% |
| Oldham County | 1 | 1 | 0 | 0.0% |
| Hardin 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: 25 applications in 2025, of which 13 were originated and 7 denied.
28.0% of all applications, or 33.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Savings Bank originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are First Savings 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