F&M Bank in Kentucky vs the state
31.3%Denial rate+12.44 pts vs state
33.3%Decision denial rate+9.84 pts vs state
56.3%Origination rate-1.79 pts vs state
7.05%Median rate+0.30 pts vs state
-2.27Rate spread (pts)-2.58 pts vs state
$112kMedian applicant income
9Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 58 | 10.6% | 6.50% | #190 |
| 2024 | 31 | 22 | 22.6% | 8.00% | #295 |
| 2025 | 16 | 9 | 31.3% | 7.05% | #374 |
What F&M Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most F&M Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Christian County | 6 | 3 | 2 | 33.3% |
| Todd County | 4 | 3 | 1 | 25.0% |
| Trigg County | 2 | 1 | 1 | 50.0% |
| Logan County | 2 | 1 | 1 | 50.0% |
| Oldham County | 1 | 0 | 0 | 0.0% |
| Caldwell 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: 16 applications in 2025, of which 9 were originated and 5 denied.
31.3% of all applications, or 33.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans F&M Bank originated in Kentucky in 2025 was 7.05%, against a statewide median of 6.75%.
About this data. Figures are F&M 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