Farmers Bank and Trust in Kentucky vs the state
10.2%Denial rate-8.58 pts vs state
10.5%Decision denial rate-12.95 pts vs state
79.5%Origination rate+21.50 pts vs state
—Median rate
—Rate spread (pts)
$86kMedian applicant income
241Loans originated
31Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 306 | 265 | 4.9% | — | #94 |
| 2024 | 269 | 223 | 10.0% | — | #108 |
| 2025 | 303 | 241 | 10.2% | — | #110 |
What Farmers Bank and Trust lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Farmers Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muhlenberg County | 76 | 56 | 13 | 17.1% |
| Warren County | 51 | 44 | 0 | 0.0% |
| Henderson County | 35 | 25 | 7 | 20.0% |
| Crittenden County | 33 | 27 | 2 | 6.1% |
| Hopkins County | 25 | 23 | 2 | 8.0% |
| Lyon County | 12 | 9 | 0 | 0.0% |
| McLean County | 12 | 7 | 3 | 25.0% |
| Livingston County | 11 | 8 | 2 | 18.2% |
| Caldwell County | 9 | 8 | 1 | 11.1% |
| Barren County | 6 | 6 | 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: 303 applications in 2025, of which 241 were originated and 31 denied.
10.2% of all applications, or 10.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Farmers Bank and Trust'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