The Farmers Bank in Kentucky vs the state
3.6%Denial rate-15.24 pts vs state
3.7%Decision denial rate-19.76 pts vs state
82.9%Origination rate+24.82 pts vs state
—Median rate
—Rate spread (pts)
$98kMedian applicant income
116Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 104 | 7.5% | — | #157 |
| 2024 | 144 | 116 | 6.9% | — | #160 |
| 2025 | 140 | 116 | 3.6% | — | #174 |
What The Farmers Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most The Farmers Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jessamine County | 80 | 67 | 2 | 2.5% |
| Garrard County | 14 | 13 | 1 | 7.1% |
| Fayette County | 14 | 12 | 0 | 0.0% |
| Madison County | 9 | 8 | 0 | 0.0% |
| Boyle County | 5 | 5 | 0 | 0.0% |
| Woodford County | 3 | 2 | 0 | 0.0% |
| Mercer County | 3 | 2 | 0 | 0.0% |
| Anderson County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Clark County | 2 | 1 | 1 | 50.0% |
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: 140 applications in 2025, of which 116 were originated and 5 denied.
3.6% of all applications, or 3.7% 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 The Farmers 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