FNB Bank in Kentucky vs the state
10.8%Denial rate-7.98 pts vs state
13.3%Decision denial rate-10.22 pts vs state
70.4%Origination rate+12.36 pts vs state
—Median rate
—Rate spread (pts)
$81kMedian applicant income
195Loans originated
30Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 262 | 166 | 14.1% | — | #103 |
| 2024 | 237 | 146 | 16.5% | — | #118 |
| 2025 | 277 | 195 | 10.8% | — | #118 |
What FNB Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most FNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Graves County | 75 | 50 | 10 | 13.3% |
| Trigg County | 56 | 45 | 4 | 7.1% |
| McCracken County | 51 | 38 | 5 | 9.8% |
| Calloway County | 39 | 29 | 4 | 10.3% |
| Marshall County | 34 | 19 | 3 | 8.8% |
| Christian County | 7 | 4 | 2 | 28.6% |
| Ballard County | 3 | 2 | 1 | 33.3% |
| Livingston County | 3 | 1 | 0 | 0.0% |
| Caldwell County | 3 | 2 | 1 | 33.3% |
| Hickman County | 2 | 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: 277 applications in 2025, of which 195 were originated and 30 denied.
10.8% of all applications, or 13.3% 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 FNB 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