Forcht Bank in Kentucky vs the state
15.2%Denial rate-3.61 pts vs state
19.1%Decision denial rate-4.43 pts vs state
64.3%Origination rate+6.23 pts vs state
6.75%Median rate0.00 pts vs state
0.44Rate spread (pts)+0.13 pts vs state
$88kMedian applicant income
241Loans originated
57Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 516 | 306 | 18.2% | 6.50% | #71 |
| 2024 | 445 | 259 | 20.7% | 7.00% | #78 |
| 2025 | 375 | 241 | 15.2% | 6.75% | #93 |
What Forcht Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Forcht Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grant County | 56 | 43 | 6 | 10.7% |
| Jefferson County | 47 | 39 | 4 | 8.5% |
| Taylor County | 39 | 22 | 8 | 20.5% |
| Pulaski County | 31 | 15 | 9 | 29.0% |
| Laurel County | 27 | 16 | 8 | 29.6% |
| Green County | 19 | 11 | 2 | 10.5% |
| Kenton County | 18 | 12 | 2 | 11.1% |
| Knox County | 16 | 4 | 5 | 31.3% |
| Boone County | 15 | 9 | 1 | 6.7% |
| Fayette County | 14 | 9 | 4 | 28.6% |
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: 375 applications in 2025, of which 241 were originated and 57 denied.
15.2% of all applications, or 19.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Forcht Bank originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Forcht 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