First Southern National Bank
First Southern National Bank received 552 applications in 2025 and made 510 mortgages, in 53 counties across 8 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 522 decisions, 12 were denials — 2.3%, most often for credit history.
| Legal Entity Identifier | 549300C853H86L248593 |
|---|---|
| Applications received | 552 |
| Mortgages made | 510 |
| Denied | 12 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.412 points |
| FDIC-insured bank | Yes: First Southern National Bank, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 185 | 7.250% | $155,000 | 0.5% |
| Refinancing | 194 | 7.500% | $105,000 | 2.5% |
| Other purposes | 131 | 7.820% | $55,000 | 4.4% |
Where First Southern National Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Logan County, KY | 84 | 7.570% | 0.0% |
| Muhlenberg County, KY | 76 | 7.750% | 3.8% |
| Warren County, KY | 48 | 7.325% | 0.0% |
| Lincoln County, KY | 41 | 7.570% | 2.4% |
| Wayne County, KY | 31 | 7.250% | 0.0% |
| Caldwell County, KY | 30 | 7.515% | 9.1% |
| Garrard County, KY | 27 | 7.570% | 0.0% |
| Madison County, KY | 27 | 7.500% | 0.0% |
| Pulaski County, KY | 24 | 7.250% | 4.0% |
| Jessamine County, KY | 19 | 7.500% | 5.0% |
| Boyle County, KY | 13 | 7.250% | 0.0% |
| Christian County, KY | 13 | 7.250% | 7.1% |
| Fayette County, KY | 8 | Under 10 loans | 0.0% |
| Lee County, AL | 5 | Under 10 loans | 0.0% |
| Hopkins County, KY | 5 | Under 10 loans | 0.0% |
| Simpson County, KY | 5 | Under 10 loans | 0.0% |
| Butler County, KY | 4 | Under 10 loans | 20.0% |
| Lyon County, KY | 4 | Under 10 loans | 0.0% |
| Trigg County, KY | 4 | Under 10 loans | 0.0% |
| Robertson County, TN | 4 | Under 10 loans | 0.0% |
| Williamson County, IL | 2 | Under 10 loans | 0.0% |
| Allen County, KY | 2 | Under 10 loans | 0.0% |
| Marshall County, KY | 2 | Under 10 loans | 0.0% |
| Mercer County, KY | 2 | Under 10 loans | 0.0% |
| Todd County, KY | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Knox County, IN | 1 | Under 10 loans | 0.0% |
| Barren County, KY | 1 | Under 10 loans | 0.0% |
| Calloway County, KY | 1 | Under 10 loans | 0.0% |
| Casey County, KY | 1 | Under 10 loans | 0.0% |
| Clark County, KY | 1 | Under 10 loans | 0.0% |
| Clinton County, KY | 1 | Under 10 loans | 0.0% |
| Daviess County, KY | 1 | Under 10 loans | 0.0% |
| Edmonson County, KY | 1 | Under 10 loans | 50.0% |
| Estill County, KY | 1 | Under 10 loans | 0.0% |
| Hardin County, KY | 1 | Under 10 loans | 0.0% |
| Harlan County, KY | 1 | Under 10 loans | 0.0% |
| Harrison County, KY | 1 | Under 10 loans | 0.0% |
| Henderson County, KY | 1 | Under 10 loans | 0.0% |
| Lewis County, KY | 1 | Under 10 loans | 0.0% |
| McLean County, KY | 1 | Under 10 loans | 0.0% |
| Mason County, KY | 1 | Under 10 loans | 0.0% |
| Nicholas County, KY | 1 | Under 10 loans | 0.0% |
| Rockcastle County, KY | 1 | Under 10 loans | 0.0% |
| Washington County, KY | 1 | Under 10 loans | 0.0% |
| Wolfe County, KY | 1 | Under 10 loans | 0.0% |
| Chippewa County, MI | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
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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.