First Colony Mortgage in Kentucky vs the state
20.8%Denial rate+2.02 pts vs state
26.3%Decision denial rate+2.83 pts vs state
41.7%Origination rate-16.37 pts vs state
6.56%Median rate-0.19 pts vs state
0.35Rate spread (pts)+0.04 pts vs state
$84kMedian applicant income
10Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 0.0% | 7.00% | #444 |
| 2024 | 18 | 9 | 5.6% | 6.63% | #351 |
| 2025 | 24 | 10 | 20.8% | 6.56% | #333 |
What First Colony Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 8 | 5 | 0 | 0.0% |
| Muhlenberg County | 4 | 0 | 3 | 75.0% |
| McCreary County | 2 | 1 | 1 | 50.0% |
| Greenup County | 2 | 0 | 0 | 0.0% |
| Hardin County | 2 | 1 | 0 | 0.0% |
| Boyle County | 1 | 1 | 0 | 0.0% |
| Oldham County | 1 | 0 | 0 | 0.0% |
| Spencer County | 1 | 0 | 0 | 0.0% |
| Bullitt County | 1 | 1 | 0 | 0.0% |
| Fayette 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: 24 applications in 2025, of which 10 were originated and 5 denied.
20.8% of all applications, or 26.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Colony Mortgage originated in Kentucky in 2025 was 6.56%, against a statewide median of 6.75%.
About this data. Figures are First Colony Mortgage'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