Applications / Mortgage Analytics / Lenders / Kentucky / Forcht Bank
Lexington, KY · National bank · OCC · $1.7 billion assets · 269 loans in 2025
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269
loans originated, 2025
418
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Forcht Bank, a Kentucky national bank, puts far more of its loans in poorer neighborhoods than most banks its size, even as its lending has shrunk each year since 2021.
It made 269 loans, 9% fewer than in 2024. Similar lenders (national banks making between half and twice as many loans) grew 5% and the market 10%, so its growth was lower than at more than four in five of them. It made 766 loans in 2020. A narrower focus on purchases, or fewer applications in its markets, are possible reasons.
Home purchases made up 64.3% of its loans. FHA loans (insured by the Federal Housing Administration) were 5.9% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 0.7%, both higher than at most similar lenders.
Of its loans, 32.6% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 16.2% at similar lenders, higher than at about nineteen in twenty of them. In 2020 the share was 23.4%. LMI borrowers took 28.2%, a little above the group's 25.4%.
In Cincinnati, its biggest market, its share fell 0.2 points to 0.3%, ranking 82 of 621 lenders; its own smaller volume in a growing market may account for that. In Dayton-Kettering-Beavercreek, which it entered in 2016, its share rose to 0.3%, ranking 52 of 443.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Forcht Bank took 418 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.3% · Refinance 26.0% · Other 7.8% · Home improvement 1.9%
Conventional 92.9% · FHA 5.9% · USDA (RHS or FSA) 0.7% · VA 0.4% · of 269 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 241 | 89.6% |
| Ohio | 24 | 8.9% |
| Florida | 2 | 0.7% |
| Indiana | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 97 |
| Louisville/Jefferson County | 42 |
| Lexington-Fayette | 15 |
| Bowling Green | 3 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Dayton-Kettering-Beavercreek | 1 |
| Elizabethtown | 1 |
| Knoxville | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RGUEWNDH44ES51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3141726 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124349 | 2003–2017 |
Established 1 October 2002. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Forcht Bank's data.
Forcht Bank's data
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