Name of the lender

Forcht Bank, N.A. in KentuckyMortgage rates, total loan costs and denial rate for homes in Kentucky, 2025

HMDA year2025

StateKentucky

Head office: Lexington, KY
Reporting agency: Office of the Comptroller of the Currency (OCC)
Legal Entity Identifier (LEI)

All states of this lender

Forcht Bank, N.A. reported 375 applications for homes in Kentucky in the HMDA data of 2025.

It originated 241 loans in the state in 2025, for $75.6 million in total.

The median interest rate of these loans in 2025 was 6.500%, and the median of all lenders in Kentucky was 6.500%.

The median total loan costs in 2025 were $3,384, and the state median was $4,927.

It denied 19.1% of the applications that it decided in the state in 2025, and the state denial rate was 23.5%.

Filed figures of Forcht Bank, N.A. in Kentucky, 2025
Figure	In KY	Lender, all states	KY, all lenders
Applications	375	418	173,418
Loans originated	241	269	100,653
Median interest rate	6.500%	6.500%	6.500%
Median total loan costs	$3,384	$3,387	$4,927
Denial rate	19.1%	18.4%	23.5%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in KY

Pricing medians of Forcht Bank, N.A. in Kentucky, 2025Each value has the median of all lenders in Kentucky under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in KY	176	6.500%KY 6.500%	$3,384KY $4,927	$925KY $1,722	$310KY $1,796	n/aKY $344	0.435KY 0.283

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.435 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,305 more a year, or $109 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Kentucky by the action taken
Action taken	Records	Share
1Loan originated	241	64.3%
2Application approved but not accepted	1	0.3%
3Application denied	57	15.2%
4Application withdrawn by applicant	69	18.4%
5File closed for incompleteness	7	1.9%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Kentucky by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	322	223	15.5%
FHA-insured	44	15	48.3%
VA-guaranteed	2	1	n/a
USDA Rural Housing Service or Farm Service Agency guaranteed	7	2	n/a

Counties in Kentucky

Counties of Forcht Bank, N.A. in Kentucky with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Grant County	56	43	$11.6 million	12.2%
Jefferson County	47	39	$16.1 million	9.3%
Laurel County	27	16	$2.2 million	n/a
Pulaski County	31	15	$2.8 million	n/a
Taylor County	39	22	$5.6 million	26.7%

Figures by year

Forcht Bank, N.A. in Kentucky by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	375	241	$75.6 million	6.500%	$3,384	19.1%
2024	445	259	$67.1 million	n/a	n/a	25.8%
2023	516	306	$108 million	n/a	n/a	23.5%
2022	792	484	$142 million	n/a	n/a	21.2%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
Financial Institution Lists (Office of the Comptroller of the Currency)The OCC lists of the national banks and federal savings associations that it regulates.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Forcht Bank, N.A. in Kentucky: mortgage rates, 2025", https://lenderregister.com/lender/549300rguewndh44es51-forcht-bank-n-a/ky/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Kentucky. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Forcht Bank, N.A. were in Kentucky in 2025?: 241 of its loans originated, out of 269 in all states. That is 89.6%.
In which counties of Kentucky did Forcht Bank, N.A. originate the most loans in 2025?: The three with the most loans were Grant County (43), Jefferson County (39) and Taylor County (22).
Which loan types did Forcht Bank, N.A. originate in Kentucky in 2025?: 223 conventional, 15 FHA, 1 VA and 2 USDA.
How did the applications of Forcht Bank, N.A. in Kentucky change from 2022 to 2025?: It reported 792 applications in 2022 and 375 in 2025.