The Farmers Bank of Milton in Kentucky vs the state
15.2%Denial rate-3.62 pts vs state
16.7%Decision denial rate-6.82 pts vs state
76.0%Origination rate+17.91 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
60Loans originated
12Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 75 | 7.8% | — | #184 |
| 2024 | 78 | 57 | 16.7% | — | #210 |
| 2025 | 79 | 60 | 15.2% | — | #228 |
What The Farmers Bank of Milton lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most The Farmers Bank of Milton applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carroll County | 28 | 22 | 3 | 10.7% |
| Oldham County | 21 | 17 | 3 | 14.3% |
| Trimble County | 17 | 13 | 3 | 17.6% |
| Jefferson County | 5 | 4 | 0 | 0.0% |
| Owen County | 3 | 1 | 2 | 66.7% |
| Henry County | 3 | 2 | 1 | 33.3% |
| Shelby County | 2 | 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: 79 applications in 2025, of which 60 were originated and 12 denied.
15.2% of all applications, or 16.7% 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 of Milton'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