Lender in Kentucky · HMDA 2025
Farm Credit Mid-America mortgages in Kentucky
Farm Credit Mid-America's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Farm Credit Mid-America originated 305 owner-occupied single-family loans in Kentucky from 357 completed applications.
Its median conventional purchase loan costs were $7,220 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 7.00% (Kentucky: 6.625%).
Loans in KY
305
of 357 applications
Denial rate
12.5%
Purchase · KY 8.2%
Rate spread
+0.49 pts
Conv. · KY +0.21 pts
Loan amount
$335,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 287 | 250 | 12.5% | 7.000% | +0.49 pts | $7,220 | $335,000 |
| Refinance | 70 | 55 | 18.6% | 7.000% | +0.54 pts | $4,900 | $255,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Farm Credit Mid-America ranks in the top 25
Showing the 30 counties where it ranks highest, of 51.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cumberland County | 3 | 2 | 6.9% |
| Robertson County | 3 | 2 | 8.7% |
| Hart County | 4 | 13 | 5.7% |
| Breckinridge County | 4 | 9 | 5.3% |
| Bath County | 4 | 6 | 6.8% |
| Clinton County | 4 | 3 | 7.7% |
| Crittenden County | 5 | 6 | 6.8% |
| Washington County | 5 | 4 | 3.7% |
| Metcalfe County | 5 | 3 | 3.1% |
| Wolfe County | 5 | 1 | 4.3% |
| Owen County | 6 | 6 | 4.3% |
| Harrison County | 7 | 6 | 3.3% |
| Henry County | 7 | 6 | 2.9% |
| Butler County | 7 | 3 | 2.2% |
| Hancock County | 7 | 3 | 3.0% |
| Adair County | 7 | 2 | 2.5% |
| Casey County | 7 | 2 | 2.7% |
| Bourbon County | 8 | 6 | 2.7% |
| Lee County | 8 | 1 | 3.6% |
| Mason County | 9 | 5 | 2.8% |
| Fleming County | 9 | 3 | 2.4% |
| Lewis County | 9 | 3 | 2.9% |
| Trimble County | 9 | 3 | 3.4% |
| Trigg County | 11 | 4 | 2.0% |
| Taylor County | 11 | 3 | 1.6% |
| Lyon County | 11 | 2 | 2.8% |
| McLean County | 11 | 1 | 1.3% |
| Allen County | 12 | 7 | 2.3% |
| Russell County | 12 | 2 | 1.6% |
| Rockcastle County | 13 | 2 | 2.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology