Central Kentucky Agricultural Credit Association in Kentucky vs the state
0.0%Denial rate-18.81 pts vs state
0.0%Decision denial rate-23.49 pts vs state
97.7%Origination rate+39.69 pts vs state
7.05%Median rate+0.30 pts vs state
0.85Rate spread (pts)+0.53 pts vs state
$95kMedian applicant income
43Loans originated
0Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 31 | 2.6% | 7.76% | #263 |
| 2024 | 41 | 36 | 0.0% | 7.25% | #268 |
| 2025 | 44 | 43 | 0.0% | 7.05% | #282 |
What Central Kentucky Agricultural Credit Association lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Central Kentucky Agricultural Credit Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lincoln County | 9 | 9 | 0 | 0.0% |
| Mercer County | 7 | 7 | 0 | 0.0% |
| Marion County | 6 | 6 | 0 | 0.0% |
| Harrison County | 3 | 3 | 0 | 0.0% |
| Madison County | 3 | 3 | 0 | 0.0% |
| Bourbon County | 2 | 2 | 0 | 0.0% |
| Scott County | 2 | 2 | 0 | 0.0% |
| Anderson County | 2 | 1 | 0 | 0.0% |
| Boyle County | 2 | 2 | 0 | 0.0% |
| Jessamine 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: 44 applications in 2025, of which 43 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Central Kentucky Agricultural Credit Association originated in Kentucky in 2025 was 7.05%, against a statewide median of 6.75%.
About this data. Figures are Central Kentucky Agricultural Credit Association'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