PlainLender

First Kentucky Bank

Mayfield, KY

First Kentucky Bank processed 154 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 108 loans with a 18.8% denial rate. Home Purchase was the primary loan purpose. Based in Mayfield, KY. The approval rate of 70.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. First Kentucky Bank processed 154 HMDA-reported mortgage applications in 2024, originating 108 loans and denying 29 for a denial rate of 18.8% (applicants themselves withdrew 9 files before a decision). The average loan amount was $133,896. The lender reports under LEI 54930060AO2QGPQGPO07 from Mayfield, KY.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First Kentucky Bank's 70.1% origination rate tells you how often an application turned into funded money; the 18.8% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (152 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

154
Applications
108
Originated
18.8%
Denial Rate
$133,896
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 152 108 27 $134,342
USDA 2 0 2 $100,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for First Kentucky Bank (LEI: 54930060AO2QGPQGPO07) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 69 54 $154,130
Refinancing 54 33 $145,185
Other 17 13 $57,941
Home Improvement 13 8 $81,154
Cash-out Refinancing 1 0 $105,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 134 70.2% 19.4%
Black or African American 4 25.0% 25.0%
Asian 3 66.7% 33.3%
Joint 2 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 131 68.7% 19.9%
Hispanic or Latino 12 75.0% 16.7%

Nearby Lenders in KY

Other HMDA-reporting lenders in KY with similar activity. Compare any two side-by-side.

STOCKTON MORTGAGE CORPORATION

FRANKFORT, KY

12,011 apps 7,797 originated 6.5% denied

Liberty Federal Credit Union

Louisville, KY

6,132 apps 4,679 originated 7.9% denied

FARM CREDIT MID-AMERICA, ACA

LOUISVILLE, KY

5,902 apps 4,311 originated 10.4% denied

MAGNOLIA BANK

Elizabethtown, KY

5,338 apps 4,002 originated 7.8% denied

REPUBLIC BANK & TRUST

LOUISVILLE, KY

3,866 apps 2,192 originated 13.1% denied
Compare First Kentucky Bank vs STOCKTON MORTGAGE CORPORATION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did First Kentucky Bank process?
First Kentucky Bank processed 154 mortgage applications in the 2023 HMDA reporting year. Of these, 108 were originated (approved and funded), 9 were withdrawn by the applicant, and 29 were denied.
What is First Kentucky Bank's mortgage approval rate?
First Kentucky Bank has an approval (origination) rate of 70.1%, meaning 70.1% of all applications resulted in a funded mortgage. The denial rate is 18.8%.
What is the average loan amount at First Kentucky Bank?
The average mortgage loan amount at First Kentucky Bank is $133,896.
What types of mortgage loans does First Kentucky Bank offer?
First Kentucky Bank processes Conventional, USDA loans. The most common type is Conventional with 152 applications and an average loan amount of $134,342.
What loan purposes does First Kentucky Bank serve?
First Kentucky Bank serves the following loan purposes: Home Purchase (69 applications), Refinancing (54 applications), Other (17 applications), Home Improvement (13 applications), Cash-out Refinancing (1 applications). Home Purchase is the most common purpose.
Where is First Kentucky Bank located?
First Kentucky Bank is headquartered in Mayfield, KY. The lender is identified by LEI 54930060AO2QGPQGPO07 in HMDA data.
How does First Kentucky Bank compare in lending across racial demographics?
First Kentucky Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 70.2% and denial rate of 19.4%; Black or African American applicants have an approval rate of 25.0% and denial rate of 25.0%; Asian applicants have an approval rate of 66.7% and denial rate of 33.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.