First United Bank and Trust in Kentucky vs the state
4.8%Denial rate-14.05 pts vs state
5.0%Decision denial rate-18.45 pts vs state
89.7%Origination rate+31.64 pts vs state
—Median rate
—Rate spread (pts)
$109kMedian applicant income
113Loans originated
6Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 172 | 140 | 4.7% | — | #141 |
| 2024 | 121 | 108 | 5.0% | — | #172 |
| 2025 | 126 | 113 | 4.8% | — | #183 |
What First United Bank and Trust lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most First United Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hopkins County | 64 | 58 | 2 | 3.1% |
| Ohio County | 27 | 23 | 3 | 11.1% |
| Daviess County | 16 | 15 | 0 | 0.0% |
| Livingston County | 3 | 3 | 0 | 0.0% |
| McLean County | 2 | 2 | 0 | 0.0% |
| Crittenden County | 2 | 2 | 0 | 0.0% |
| Webster County | 2 | 1 | 0 | 0.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Muhlenberg County | 1 | 0 | 1 | 100.0% |
| Union 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: 126 applications in 2025, of which 113 were originated and 6 denied.
4.8% of all applications, or 5.0% 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 United Bank and Trust'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