First Southern National Bank in Kentucky vs the state
2.3%Denial rate-16.55 pts vs state
2.4%Decision denial rate-21.10 pts vs state
92.1%Origination rate+34.07 pts vs state
7.50%Median rate+0.75 pts vs state
0.43Rate spread (pts)+0.12 pts vs state
$90kMedian applicant income
490Loans originated
12Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 626 | 574 | 2.7% | 7.75% | #64 |
| 2024 | 521 | 459 | 4.0% | 8.12% | #71 |
| 2025 | 532 | 490 | 2.3% | 7.50% | #76 |
What First Southern National Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Southern National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muhlenberg County | 90 | 76 | 3 | 3.3% |
| Logan County | 89 | 84 | 0 | 0.0% |
| Warren County | 50 | 48 | 0 | 0.0% |
| Lincoln County | 44 | 41 | 1 | 2.3% |
| Caldwell County | 34 | 30 | 3 | 8.8% |
| Wayne County | 31 | 31 | 0 | 0.0% |
| Garrard County | 28 | 27 | 0 | 0.0% |
| Madison County | 27 | 27 | 0 | 0.0% |
| Pulaski County | 26 | 24 | 1 | 3.8% |
| Jessamine County | 20 | 19 | 1 | 5.0% |
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: 532 applications in 2025, of which 490 were originated and 12 denied.
2.3% of all applications, or 2.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Southern National Bank originated in Kentucky in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are First Southern National 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