First State Bank in Kentucky vs the state
29.0%Denial rate+10.14 pts vs state
31.4%Decision denial rate+7.94 pts vs state
60.5%Origination rate+2.49 pts vs state
7.50%Median rate+0.75 pts vs state
1.35Rate spread (pts)+1.04 pts vs state
$87kMedian applicant income
23Loans originated
11Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 18 | 9.1% | 7.38% | #308 |
| 2024 | 38 | 25 | 15.8% | 7.44% | #277 |
| 2025 | 38 | 23 | 29.0% | 7.50% | #289 |
What First State Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mason County | 17 | 10 | 4 | 23.5% |
| Martin County | 7 | 4 | 3 | 42.9% |
| Lawrence County | 6 | 3 | 2 | 33.3% |
| Fleming County | 2 | 2 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Lewis County | 1 | 1 | 0 | 0.0% |
| Robertson County | 1 | 1 | 0 | 0.0% |
| Rowan County | 1 | 1 | 0 | 0.0% |
| Pendleton County | 1 | 0 | 1 | 100.0% |
| Perry County | 1 | 0 | 1 | 100.0% |
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: 38 applications in 2025, of which 23 were originated and 11 denied.
29.0% of all applications, or 31.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First State Bank originated in Kentucky in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are First State 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