Forcht Bank, National Association
Forcht Bank, National Association received 418 applications in 2025 and made 269 mortgages, in 57 counties across 6 states. The median rate its borrowers got was 6.750% on a median loan of $205,000. Of 331 decisions, 61 were denials — 18.4%, most often for credit history.
| Legal Entity Identifier | 549300RGUEWNDH44ES51 |
|---|---|
| Applications received | 418 |
| Mortgages made | 269 |
| Denied | 61 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 87 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.436 points |
| FDIC-insured bank | Yes: Forcht Bank, National Association, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 173 | 6.625% | $250,000 | 17.1% |
| Refinancing | 57 | 6.875% | $125,000 | 16.2% |
| Cash-out refinancing | 13 | 6.750% | $165,000 | 40.9% |
| Other purposes | 26 | 6.750% | $145,000 | 16.1% |
Where Forcht Bank, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Grant County, KY | 43 | 6.625% | 12.2% |
| Jefferson County, KY | 39 | 6.750% | 9.3% |
| Taylor County, KY | 22 | 6.750% | 26.7% |
| Hamilton County, OH | 17 | 6.750% | 10.5% |
| Laurel County, KY | 16 | 7.438% | 33.3% |
| Pulaski County, KY | 15 | 6.750% | 37.5% |
| Kenton County, KY | 12 | 6.750% | 14.3% |
| Green County, KY | 11 | 6.750% | 15.4% |
| Boone County, KY | 9 | Under 10 loans | 10.0% |
| Fayette County, KY | 9 | Under 10 loans | 30.8% |
| Whitley County, KY | 9 | Under 10 loans | 10.0% |
| McCreary County, KY | 7 | Under 10 loans | 12.5% |
| Pendleton County, KY | 6 | Under 10 loans | 14.3% |
| Campbell County, KY | 5 | Under 10 loans | 0.0% |
| Knox County, KY | 4 | Under 10 loans | 55.6% |
| Owen County, KY | 4 | Under 10 loans | 0.0% |
| Adair County, KY | 3 | Under 10 loans | 0.0% |
| Madison County, KY | 3 | Under 10 loans | 0.0% |
| Clermont County, OH | 3 | Under 10 loans | 0.0% |
| Clark County, KY | 2 | Under 10 loans | 0.0% |
| Garrard County, KY | 2 | Under 10 loans | 0.0% |
| Jessamine County, KY | 2 | Under 10 loans | 0.0% |
| Scott County, KY | 2 | Under 10 loans | 0.0% |
| Warren County, KY | 2 | Under 10 loans | 0.0% |
| Butler County, OH | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Floyd County, IN | 1 | Under 10 loans | 50.0% |
| Bell County, KY | 1 | Under 10 loans | 0.0% |
| Boyle County, KY | 1 | Under 10 loans | 0.0% |
| Bullitt County, KY | 1 | Under 10 loans | 50.0% |
| Casey County, KY | 1 | Under 10 loans | 0.0% |
| Edmonson County, KY | 1 | Under 10 loans | 0.0% |
| Harrison County, KY | 1 | Under 10 loans | 0.0% |
| Jackson County, KY | 1 | Under 10 loans | 50.0% |
| Larue County, KY | 1 | Under 10 loans | 0.0% |
| Lincoln County, KY | 1 | Under 10 loans | 0.0% |
| Marion County, KY | 1 | Under 10 loans | 0.0% |
| Nicholas County, KY | 1 | Under 10 loans | 0.0% |
| Pike County, KY | 1 | Under 10 loans | 0.0% |
| Powell County, KY | 1 | Under 10 loans | 0.0% |
| Spencer County, KY | 1 | Under 10 loans | 0.0% |
| Athens County, OH | 1 | Under 10 loans | 0.0% |
| Montgomery County, OH | 1 | Under 10 loans | 0.0% |
| Blount County, TN | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 0 | Under 10 loans | Not published |
| Anderson County, KY | 0 | Under 10 loans | Not published |
| Barren County, KY | 0 | Under 10 loans | Not published |
| Estill County, KY | 0 | Under 10 loans | 100.0% |
| Lee County, KY | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.