AgFirst Farm Credit Bank in Kentucky vs the state
13.6%Denial rate-5.17 pts vs state
14.3%Decision denial rate-9.20 pts vs state
81.8%Origination rate+23.78 pts vs state
6.44%Median rate-0.31 pts vs state
0.20Rate spread (pts)-0.11 pts vs state
$104kMedian applicant income
18Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 18 | 4.8% | 7.25% | #315 |
| 2024 | 27 | 20 | 14.8% | 7.81% | #305 |
| 2025 | 22 | 18 | 13.6% | 6.44% | #344 |
What AgFirst Farm Credit Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most AgFirst Farm Credit Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 4 | 4 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Boyle County | 2 | 1 | 1 | 50.0% |
| Harrison County | 2 | 1 | 0 | 0.0% |
| Madison County | 2 | 2 | 0 | 0.0% |
| Anderson County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Taylor County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Woodford 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: 22 applications in 2025, of which 18 were originated and 3 denied.
13.6% of all applications, or 14.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans AgFirst Farm Credit Bank originated in Kentucky in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are AgFirst Farm Credit 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