First National Bank of Kentucky
First National Bank of Kentucky received 101 applications in 2025 and made 86 mortgages, in 22 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $185,000. Of 96 decisions, 9 were denials — 9.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549001TX8MBDGWWWF50 |
|---|---|
| Applications received | 101 |
| Mortgages made | 86 |
| Denied | 9 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: FIRST NATIONAL BANK OF KENTUCKY, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | Not published | $245,000 | 12.2% |
| Refinancing | 33 | Not published | $185,000 | 10.8% |
| Other purposes | 18 | Not published | $60,000 | 0.0% |
Where First National Bank of Kentucky lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Carroll County, KY | 22 | Not published | 4.4% |
| Kenton County, KY | 14 | Not published | 0.0% |
| Boone County, KY | 9 | Under 10 loans | 9.1% |
| Oldham County, KY | 8 | Under 10 loans | 0.0% |
| Owen County, KY | 6 | Under 10 loans | 0.0% |
| Gallatin County, KY | 5 | Under 10 loans | 28.6% |
| Henry County, KY | 4 | Under 10 loans | 0.0% |
| Jefferson County, KY | 4 | Under 10 loans | 20.0% |
| Hamilton County, OH | 3 | Under 10 loans | 0.0% |
| Grant County, KY | 2 | Under 10 loans | 0.0% |
| Grand County, CO | 1 | Under 10 loans | 0.0% |
| Washington County, IN | 1 | Under 10 loans | 0.0% |
| Bullitt County, KY | 1 | Under 10 loans | 0.0% |
| Campbell County, KY | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Mason County, KY | 1 | Under 10 loans | 0.0% |
| Clermont County, OH | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| Fentress County, TN | 1 | Under 10 loans | 0.0% |
| Crawford County, IN | 0 | Under 10 loans | 100.0% |
| Trimble County, KY | 0 | Under 10 loans | 100.0% |
| Delaware County, OH | 0 | Under 10 loans | Not published |
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When First National Bank of Kentucky’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.