Forcht Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Forcht Bank, National Association 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Forcht Bank, National Association 2404 Sir Barton Way Lexington, KY 40509 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 896 |
| Total Mortgage Loan Application Amount | $277,030,000 |
| Average Mortgage Loan Application Amount | $266,200 |
| Highest Mortgage Loan Application Amount | $10,585,000 |
| Average Applicant Income | $143,800 |
| Highest Applicant Income | $4,645,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Forcht Bank, National Association. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Forcht Bank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Forcht Bank, National Association's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Forcht Bank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Forcht Bank, National Association, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Forcht Bank, National Association's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Kentucky | 94 | $ 26,970,000 | $ 286,000 | $ 116,000 |
| Pulaski County Kentucky | 78 | $ 11,350,000 | $ 145,000 | $ 87,000 |
| Hamilton County Ohio | 78 | $ 49,880,000 | $ 639,000 | $ 410,000 |
| Taylor County Kentucky | 68 | $ 13,200,000 | $ 194,000 | $ 78,000 |
| Fayette County Kentucky | 64 | $ 27,050,000 | $ 422,000 | $ 148,000 |
| Laurel County Kentucky | 63 | $ 11,115,000 | $ 176,000 | $ 84,000 |
| Grant County Kentucky | 55 | $ 10,695,000 | $ 194,000 | $ 104,000 |
| Whitley County Kentucky | 48 | $ 6,920,000 | $ 144,000 | $ 166,000 |
| Knox County Kentucky | 44 | $ 5,240,000 | $ 119,000 | $ 80,000 |
| Green County Kentucky | 36 | $ 4,470,000 | $ 124,000 | $ 56,000 |
| Kenton County Kentucky | 34 | $ 12,780,000 | $ 375,000 | $ 141,000 |
| Campbell County Kentucky | 21 | $ 10,365,000 | $ 493,000 | $ 136,000 |
| Madison County Kentucky | 18 | $ 17,020,000 | $ 945,000 | $ 87,000 |
| Boone County Kentucky | 17 | $ 5,905,000 | $ 347,000 | $ 162,000 |
| McCreary County Kentucky | 11 | $ 1,355,000 | $ 123,000 | $ 70,000 |
| Jessamine County Kentucky | 10 | $ 3,040,000 | $ 304,000 | $ 370,000 |
| Clermont County Ohio | 10 | $ 3,180,000 | $ 318,000 | $ 180,000 |
| Owen County Kentucky | 9 | $ 1,625,000 | $ 180,000 | $ 84,000 |
| Pendleton County Kentucky | 9 | $ 2,395,000 | $ 266,000 | $ 102,000 |
| Shelby County Kentucky | 9 | $ 4,515,000 | $ 501,000 | $ 201,000 |
| Harrison County Kentucky | 8 | $ 1,110,000 | $ 138,000 | $ 90,000 |
| Bullitt County Kentucky | 7 | $ 2,025,000 | $ 289,000 | $ 97,000 |
| Oldham County Kentucky | 7 | $ 3,275,000 | $ 467,000 | $ 368,000 |
| Scott County Kentucky | 7 | $ 2,125,000 | $ 303,000 | $ 101,000 |
| Clark County Kentucky | 6 | $ 7,410,000 | $ 1,235,000 | $ 116,000 |
| Marion County Kentucky | 5 | $ 875,000 | $ 175,000 | $ 79,000 |
| Woodford County Kentucky | 5 | $ 2,195,000 | $ 439,000 | $ 157,000 |
| Butler County Ohio | 5 | $ 2,375,000 | $ 475,000 | $ 969,000 |
| Adair County Kentucky | 4 | $ 430,000 | $ 107,000 | $ 71,000 |
| Hardin County Kentucky | 4 | $ 2,290,000 | $ 572,000 | $ 481,000 |
| Leslie County Kentucky | 4 | $ 360,000 | $ 90,000 | $ 72,000 |
| Spencer County Kentucky | 4 | $ 1,630,000 | $ 407,000 | $ 203,000 |
| Gallatin County Kentucky | 3 | $ 405,000 | $ 135,000 | $ 49,000 |
| Mercer County Kentucky | 3 | $ 1,365,000 | $ 455,000 | $ 114,000 |
| Wayne County Kentucky | 3 | $ 465,000 | $ 155,000 | $ 69,000 |
| Collier County Florida | 2 | $ 1,430,000 | $ 715,000 | $ 416,000 |
| Bell County Kentucky | 2 | $ 210,000 | $ 105,000 | $ 76,000 |
| Boyle County Kentucky | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Calloway County Kentucky | 2 | $ 210,000 | $ 105,000 | $ 169,000 |
| Clay County Kentucky | 2 | $ 100,000 | $ 50,000 | $ 38,000 |
| Jackson County Kentucky | 2 | $ 200,000 | $ 100,000 | $ 69,000 |
| Larue County Kentucky | 2 | $ 1,740,000 | $ 870,000 | $ 71,000 |
| Lincoln County Kentucky | 2 | $ 410,000 | $ 205,000 | $ 76,000 |
| Russell County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 97,000 |
| Warren County Kentucky | 2 | $ 5,850,000 | $ 2,925,000 | $ 0 |
| Washington County Kentucky | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Logan County Ohio | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Bay County Florida | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| Breathitt County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Carroll County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Estill County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Garrard County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Grayson County Kentucky | 1 | $ 485,000 | $ 485,000 | $ 227,000 |
| Greenup County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Hart County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Metcalfe County Kentucky | 1 | $ 395,000 | $ 395,000 | $ 141,000 |
| Montgomery County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Nelson County Kentucky | 1 | $ 515,000 | $ 515,000 | $ 128,000 |
| Pike County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 203,000 |
| Powell County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Rockcastle County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Rowan County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 245,000 |
| Brunswick County North Carolina | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Brown County Ohio | 1 | $ 385,000 | $ 385,000 | $ 312,000 |
| Franklin County Ohio | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Warren County Ohio | 1 | $ 865,000 | $ 865,000 | $ 185,000 |
| Claiborne County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Sevier County Tennessee | 1 | $ 625,000 | $ 625,000 | $ 379,000 |
Mortgage Loan Application Detail Totals for Forcht Bank, National Association in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 515 | $159,315,000 | $309,000 | $8,445,000 | $130,000 | $3,450,000 |
| Refinancing | 242 | $89,470,000 | $369,000 | $10,585,000 | $131,000 | $2,258,000 |
| Cash-out Refinancing | 69 | $10,215,000 | $148,000 | $1,015,000 | $58,000 | $152,000 |
| Other Purpose | 41 | $11,435,000 | $278,000 | $1,205,000 | $304,000 | $4,645,000 |
| Home Improvement | 29 | $6,595,000 | $227,000 | $1,285,000 | $96,000 | $310,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 679 | $158,355,000 | $233,000 | $2,715,000 | $134,000 | $4,645,000 |
| Not applicable | 165 | $104,815,000 | $635,000 | $10,585,000 | $0 | $0 |
| Not Provided | 23 | $6,385,000 | $277,000 | $905,000 | $212,000 | $694,000 |
| Black or African American | 11 | $2,945,000 | $267,000 | $665,000 | $108,000 | $260,000 |
| Hispanic | 8 | $2,180,000 | $272,000 | $905,000 | $102,000 | $240,000 |
| Asian | 5 | $1,465,000 | $293,000 | $435,000 | $59,000 | $89,000 |
| American Indian or Alaskan Native | 4 | $500,000 | $125,000 | $265,000 | $69,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 828 | $265,550,000 | $320,000 | $10,585,000 | $143,000 | $4,645,000 |
| FHA-insured (Federal Housing Administration) | 45 | $7,655,000 | $170,000 | $495,000 | $63,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,090,000 | $149,000 | $295,000 | $42,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,735,000 | $192,000 | $315,000 | $73,000 | $178,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 569 | $190,685,000 | $335,000 | $10,585,000 | $145,000 | $2,258,000 |
| Application Withdrawn By Applicant | 170 | $55,290,000 | $325,000 | $3,445,000 | $169,000 | $4,645,000 |
| Application Denied By Financial Institution | 135 | $26,935,000 | $199,000 | $1,805,000 | $75,000 | $1,640,000 |
| File Closed For Incompleteness | 22 | $4,120,000 | $187,000 | $605,000 | $11,000 | $151,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 761 | $250,095,000 | $328,000 | $10,585,000 | $146,000 | $4,645,000 |
| Credit History | 61 | $9,525,000 | $156,000 | $755,000 | $62,000 | $237,000 |
| Debt-To-Income Ratio | 37 | $9,745,000 | $263,000 | $1,805,000 | $56,000 | $217,000 |
| Collateral | 14 | $3,520,000 | $251,000 | $825,000 | $254,000 | $1,640,000 |
| Credit Application Incomplete | 9 | $1,205,000 | $133,000 | $235,000 | $75,000 | $184,000 |
| Employment History | 7 | $965,000 | $137,000 | $195,000 | $27,000 | $57,000 |
| Other | 6 | $1,820,000 | $303,000 | $665,000 | $67,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Forcht Bank, National Association's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Forcht Bank, National Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.