River Valley AgCredit, ACA in Kentucky vs the state
8.6%Denial rate-10.24 pts vs state
9.7%Decision denial rate-13.81 pts vs state
80.0%Origination rate+21.96 pts vs state
7.09%Median rate+0.34 pts vs state
0.85Rate spread (pts)+0.53 pts vs state
$117kMedian applicant income
28Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 35 | 4.9% | 7.55% | #216 |
| 2024 | 39 | 26 | 10.3% | 6.95% | #274 |
| 2025 | 35 | 28 | 8.6% | 7.09% | #299 |
What River Valley AgCredit, ACA lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most River Valley AgCredit, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marshall County | 10 | 7 | 1 | 10.0% |
| McCracken County | 8 | 6 | 0 | 0.0% |
| Graves County | 7 | 7 | 0 | 0.0% |
| Calloway County | 2 | 1 | 1 | 50.0% |
| Hickman County | 1 | 1 | 0 | 0.0% |
| Ballard County | 1 | 1 | 0 | 0.0% |
| Carlisle County | 1 | 1 | 0 | 0.0% |
| Fulton 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: 35 applications in 2025, of which 28 were originated and 3 denied.
8.6% of all applications, or 9.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans River Valley AgCredit, ACA originated in Kentucky in 2025 was 7.09%, against a statewide median of 6.75%.
About this data. Figures are River Valley AgCredit, ACA'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