The First National Bank of Middle Tennessee in Kentucky vs the state
11.1%Denial rate-7.70 pts vs state
11.1%Decision denial rate-12.38 pts vs state
88.9%Origination rate+30.85 pts vs state
6.19%Median rate-0.56 pts vs state
0.14Rate spread (pts)-0.17 pts vs state
$141kMedian applicant income
8Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 40.0% | 6.63% | #481 |
| 2025 | 9 | 8 | 11.1% | 6.19% | #438 |
What The First National Bank of Middle Tennessee lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most The First National Bank of Middle Tennessee applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Scott County | 6 | 6 | 0 | 0.0% |
| Warren County | 1 | 0 | 1 | 100.0% |
| Bourbon County | 1 | 1 | 0 | 0.0% |
| Madison 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: 9 applications in 2025, of which 8 were originated and 1 denied.
11.1% of all applications, or 11.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans The First National Bank of Middle Tennessee originated in Kentucky in 2025 was 6.19%, against a statewide median of 6.75%.
About this data. Figures are The First National Bank of Middle Tennessee'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