Farm Credit Mid-America in Kentucky vs the state
9.0%Denial rate-9.79 pts vs state
11.1%Decision denial rate-12.36 pts vs state
71.2%Origination rate+13.14 pts vs state
7.00%Median rate+0.25 pts vs state
0.55Rate spread (pts)+0.24 pts vs state
$145kMedian applicant income
489Loans originated
62Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 526 | 356 | 18.6% | 7.00% | #70 |
| 2024 | 592 | 463 | 6.6% | 7.13% | #62 |
| 2025 | 687 | 489 | 9.0% | 7.00% | #64 |
What Farm Credit Mid-America lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Farm Credit Mid-America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hart County | 36 | 28 | 2 | 5.6% |
| Christian County | 35 | 27 | 2 | 5.7% |
| Scott County | 20 | 14 | 1 | 5.0% |
| Pulaski County | 20 | 16 | 1 | 5.0% |
| Shelby County | 19 | 12 | 3 | 15.8% |
| Barren County | 18 | 10 | 3 | 16.7% |
| Harrison County | 17 | 13 | 1 | 5.9% |
| Daviess County | 16 | 14 | 1 | 6.3% |
| Hardin County | 16 | 10 | 3 | 18.8% |
| Breckinridge County | 14 | 12 | 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: 687 applications in 2025, of which 489 were originated and 62 denied.
9.0% of all applications, or 11.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Farm Credit Mid-America originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Farm Credit Mid-America'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