Armed Forces Bank in Kentucky vs the state
12.0%Denial rate-6.81 pts vs state
16.7%Decision denial rate-6.82 pts vs state
60.0%Origination rate+1.96 pts vs state
6.00%Median rate-0.75 pts vs state
-0.43Rate spread (pts)-0.75 pts vs state
$112kMedian applicant income
15Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 9 | 11.8% | 6.13% | #342 |
| 2024 | 22 | 12 | 9.1% | 6.25% | #326 |
| 2025 | 25 | 15 | 12.0% | 6.00% | #328 |
What Armed Forces Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Armed Forces Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hardin County | 7 | 3 | 3 | 42.9% |
| Nelson County | 3 | 2 | 0 | 0.0% |
| Warren County | 3 | 3 | 0 | 0.0% |
| Scott County | 2 | 1 | 0 | 0.0% |
| Meade County | 1 | 1 | 0 | 0.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Carter County | 1 | 0 | 0 | 0.0% |
| Graves County | 1 | 0 | 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: 25 applications in 2025, of which 15 were originated and 3 denied.
12.0% of all applications, or 16.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Armed Forces Bank originated in Kentucky in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Armed Forces 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