Lender in Kentucky · HMDA 2025
First Community Mortgage, Inc. mortgages in Kentucky
First Community Mortgage, Inc.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
First Community Mortgage, Inc. originated 358 owner-occupied single-family loans in Kentucky from 423 completed applications.
Its median conventional purchase loan costs were $4,630 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
358
of 423 applications
Denial rate
4.1%
Purchase · KY 8.2%
Rate spread
+0.21 pts
Conv. · KY +0.21 pts
Loan amount
$235,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 362 | 316 | 4.1% | 6.625% | +0.21 pts | $4,630 | $235,000 |
| Refinance | 42 | 31 | 11.9% | 6.375% | −0.07 pts | $3,850 | $265,000 |
| Cash-out refinance | 19 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where First Community Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hopkins County | 3 | 31 | 5.9% |
| Ohio County | 3 | 11 | 5.5% |
| Warren County | 4 | 113 | 6.4% |
| Logan County | 4 | 25 | 6.3% |
| Todd County | 5 | 5 | 4.2% |
| Edmonson County | 6 | 7 | 3.8% |
| Simpson County | 7 | 17 | 4.3% |
| Allen County | 7 | 11 | 3.5% |
| Barren County | 12 | 11 | 1.9% |
| Fulton County | 15 | 1 | 2.6% |
| Muhlenberg County | 16 | 5 | 1.7% |
| Harrison County | 16 | 3 | 1.7% |
| Christian County | 18 | 12 | 1.4% |
| Powell County | 21 | 2 | 1.5% |
| Caldwell County | 22 | 2 | 1.5% |
| Scott County | 24 | 14 | 1.2% |
| Webster County | 24 | 1 | 1.2% |
| Casey County | 25 | 1 | 1.4% |
- First Community Mortgage, Inc. nationwide
- Kentucky mortgage market
- First Community Mortgage, Inc. in Tennessee
- First Community Mortgage, Inc. in Ohio
- First Community Mortgage, Inc. in Michigan
- First Community Mortgage, Inc. in Florida
- First Community Mortgage, Inc. in Virginia
- First Community Mortgage, Inc. in Georgia
- First Community Mortgage, Inc. in Alabama
- First Community Mortgage, Inc. in Pennsylvania
- First Community Mortgage, Inc. in Indiana
- First Community Mortgage, Inc. in North Carolina
- First Community Mortgage, Inc. in Arkansas
- First Community Mortgage, Inc. in Mississippi
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology