First State Bank of the Southeast in Kentucky vs the state
23.8%Denial rate+5.00 pts vs state
25.0%Decision denial rate+1.51 pts vs state
71.4%Origination rate+13.39 pts vs state
—Median rate
—Rate spread (pts)
$119kMedian applicant income
15Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 68 | 14.9% | — | #160 |
| 2024 | 96 | 62 | 8.3% | — | #197 |
| 2025 | 21 | 15 | 23.8% | — | #349 |
What First State Bank of the Southeast lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most First State Bank of the Southeast applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurel County | 7 | 5 | 2 | 28.6% |
| Bell County | 7 | 5 | 2 | 28.6% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Whitley County | 2 | 2 | 0 | 0.0% |
| Fayette County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Clay 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: 21 applications in 2025, of which 15 were originated and 5 denied.
23.8% of all applications, or 25.0% 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 State Bank of the Southeast'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