FirstBank in Kentucky vs the state
51.3%Denial rate+32.48 pts vs state
52.3%Decision denial rate+28.85 pts vs state
22.2%Origination rate-35.80 pts vs state
7.59%Median rate+0.84 pts vs state
1.67Rate spread (pts)+1.36 pts vs state
$65kMedian applicant income
189Loans originated
436Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,239 | 180 | 59.2% | 8.49% | #31 |
| 2024 | 1,098 | 144 | 59.1% | 8.57% | #40 |
| 2025 | 850 | 189 | 51.3% | 7.59% | #51 |
What FirstBank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most FirstBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurel County | 61 | 7 | 29 | 47.5% |
| Warren County | 58 | 44 | 3 | 5.2% |
| Lawrence County | 30 | 3 | 22 | 73.3% |
| Knox County | 27 | 3 | 17 | 63.0% |
| Whitley County | 23 | 2 | 11 | 47.8% |
| Muhlenberg County | 23 | 1 | 11 | 47.8% |
| Allen County | 20 | 13 | 5 | 25.0% |
| Johnson County | 20 | 1 | 17 | 85.0% |
| Pulaski County | 19 | 3 | 12 | 63.2% |
| Grayson County | 18 | 1 | 14 | 77.8% |
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: 850 applications in 2025, of which 189 were originated and 436 denied.
51.3% of all applications, or 52.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans FirstBank originated in Kentucky in 2025 was 7.59%, against a statewide median of 6.75%.
About this data. Figures are FirstBank'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