First Commonwealth Bank in Kentucky vs the state
19.2%Denial rate+0.42 pts vs state
21.7%Decision denial rate-1.75 pts vs state
69.2%Origination rate+11.19 pts vs state
6.44%Median rate-0.31 pts vs state
0.22Rate spread (pts)-0.09 pts vs state
$132kMedian applicant income
18Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 12 | 43.8% | 6.44% | #279 |
| 2024 | 24 | 13 | 37.5% | 5.99% | #319 |
| 2025 | 26 | 18 | 19.2% | 6.44% | #324 |
What First Commonwealth Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Commonwealth Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 9 | 6 | 1 | 11.1% |
| Campbell County | 5 | 4 | 1 | 20.0% |
| Jessamine County | 4 | 2 | 2 | 50.0% |
| Boone County | 2 | 1 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Greenup County | 1 | 0 | 1 | 100.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Grant County | 1 | 1 | 0 | 0.0% |
| Warren 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: 26 applications in 2025, of which 18 were originated and 5 denied.
19.2% of all applications, or 21.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Commonwealth Bank originated in Kentucky in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are First Commonwealth Bank'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