The Federal Savings Bank in Kentucky vs the state
9.8%Denial rate-9.03 pts vs state
20.0%Decision denial rate-3.49 pts vs state
38.2%Origination rate-19.87 pts vs state
6.50%Median rate-0.25 pts vs state
0.38Rate spread (pts)+0.07 pts vs state
$85kMedian applicant income
121Loans originated
31Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 285 | 95 | 11.6% | 6.63% | #97 |
| 2024 | 271 | 109 | 7.8% | 6.63% | #107 |
| 2025 | 317 | 121 | 9.8% | 6.50% | #105 |
What The Federal Savings Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 42 | 21 | 4 | 9.5% |
| Jefferson County | 39 | 13 | 4 | 10.3% |
| Hardin County | 29 | 10 | 3 | 10.3% |
| Warren County | 13 | 0 | 2 | 15.4% |
| Kenton County | 13 | 7 | 1 | 7.7% |
| Boone County | 12 | 4 | 0 | 0.0% |
| Madison County | 10 | 5 | 0 | 0.0% |
| Meade County | 8 | 3 | 1 | 12.5% |
| Bullitt County | 8 | 3 | 1 | 12.5% |
| Scott County | 7 | 2 | 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: 317 applications in 2025, of which 121 were originated and 31 denied.
9.8% of all applications, or 20.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans The Federal Savings Bank originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are The Federal Savings 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