Kentucky Farmers Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th20.5% deniedProcesswithdrawn + incomplete share, weight 15%
6th28.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 133 | 82 | 15.0% | 18.2% | — | $8.9M |
| 2024 | 149 | 82 | 22.8% | 28.6% | — | $14M |
| 2025 | 164 | 92 | 14.6% | 20.5% | — | $14M |
What Kentucky Farmers Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 16 manufactured homes, 14 investment properties.
Who gets approved at Kentucky Farmers Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 34 | 18 | 37.9% |
| $50k – $100k | 62 | 28 | 21.6% |
| $100k – $150k | 38 | 24 | 4.0% |
| $150k – $250k | 22 | 16 | 15.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 25 | 13.8% |
| 35–44 | 27 | 15 | 25.0% |
| 45–54 | 26 | 13 | 27.8% |
| 55–64 | 26 | 17 | 15.0% |
Where Kentucky Farmers Bank lends
5 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kentucky | 128 | 73 | 10.9% | — | #182 |
| Ohio | 22 | 14 | 22.7% | — | #521 |
| West Virginia | 10 | 5 | 30.0% | — | #257 |
Frequently asked questions
Kentucky Farmers Bank denied 20.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of small mortgage lenders.
In 2025, 65% of its applications were for home purchases, 16% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.