First Community Mortgage in Kentucky vs the state
5.6%Denial rate-13.23 pts vs state
5.9%Decision denial rate-17.59 pts vs state
79.8%Origination rate+21.71 pts vs state
6.49%Median rate-0.26 pts vs state
0.26Rate spread (pts)-0.05 pts vs state
$89kMedian applicant income
386Loans originated
27Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 204 | 150 | 5.4% | 6.75% | #121 |
| 2024 | 282 | 220 | 7.1% | 6.63% | #102 |
| 2025 | 484 | 386 | 5.6% | 6.49% | #80 |
What First Community Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 155 | 120 | 10 | 6.5% |
| Hopkins County | 39 | 32 | 2 | 5.1% |
| Logan County | 35 | 27 | 1 | 2.9% |
| Kenton County | 27 | 22 | 0 | 0.0% |
| Simpson County | 19 | 17 | 0 | 0.0% |
| Allen County | 16 | 12 | 3 | 18.8% |
| Christian County | 15 | 12 | 0 | 0.0% |
| Scott County | 14 | 14 | 0 | 0.0% |
| Campbell County | 13 | 9 | 0 | 0.0% |
| Barren County | 13 | 11 | 1 | 7.7% |
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: 484 applications in 2025, of which 386 were originated and 27 denied.
5.6% of all applications, or 5.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Community Mortgage originated in Kentucky in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are First Community 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