First Community Bank of the Heartland in Kentucky vs the state
11.5%Denial rate-7.27 pts vs state
12.9%Decision denial rate-10.59 pts vs state
76.0%Origination rate+17.92 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
79Loans originated
12Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 96 | 80 | 10.4% | — | #196 |
| 2025 | 104 | 79 | 11.5% | — | #204 |
What First Community Bank of the Heartland lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most First Community Bank of the Heartland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ballard County | 27 | 20 | 4 | 14.8% |
| Graves County | 21 | 19 | 0 | 0.0% |
| McCracken County | 18 | 12 | 1 | 5.6% |
| Hickman County | 15 | 13 | 1 | 6.7% |
| Fulton County | 6 | 2 | 3 | 50.0% |
| Carlisle County | 5 | 2 | 3 | 60.0% |
| Livingston County | 3 | 3 | 0 | 0.0% |
| Marshall County | 3 | 3 | 0 | 0.0% |
| Trigg County | 2 | 1 | 0 | 0.0% |
| Lyon County | 2 | 2 | 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: 104 applications in 2025, of which 79 were originated and 12 denied.
11.5% of all applications, or 12.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Community Bank of the Heartland'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