Franklin Bank & Trust in Kentucky vs the state
2.4%Denial rate-16.37 pts vs state
2.5%Decision denial rate-20.97 pts vs state
94.3%Origination rate+36.27 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
116Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 99 | 4.6% | — | #170 |
| 2024 | 100 | 97 | 1.0% | — | #193 |
| 2025 | 123 | 116 | 2.4% | — | #186 |
What Franklin Bank & Trust lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Franklin Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 57 | 55 | 0 | 0.0% |
| Simpson County | 37 | 33 | 2 | 5.4% |
| Barren County | 8 | 8 | 0 | 0.0% |
| Allen County | 4 | 4 | 0 | 0.0% |
| Edmonson County | 4 | 3 | 1 | 25.0% |
| Logan County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Hart County | 2 | 2 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Butler 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: 123 applications in 2025, of which 116 were originated and 3 denied.
2.4% of all applications, or 2.5% 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 Franklin Bank & 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