# Forcht Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/forcht-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Forcht Bank, National Association is a bank, headquartered in Lexington, KY, serving borrowers across 7 states, with 174 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RGUEWNDH44ES51
- **Headquarters:** Lexington, KY
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, IN, KY, NC, OH, SC, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.304%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $931
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 174
- **Dollar Volume:** $58 million
- **Applications Received:** 301
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $334,885
- **Average Borrower Income:** $187,425
- **Average Property Value:** $520,287

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 137 | +0.307% | $930 | Acceptable 🙂 |
| FHA | 53/100 | 20 | +0.432% | $849 | Sound ☺️ |
| Jumbo | 41/100 | 11 | -0.044% | $876 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 112 loans, Score: 36/100 (Acceptable)
- Refinance: 25 loans, Score: 38/100 (Acceptable)

**FHA:**
- Purchase: 20 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 147 | $51M | +0.290% | Acceptable 🙂 |
| Refinance | 36/100 | 27 | $7M | +0.361% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 154 | 0.33% | 77/100 |
| OH | 12 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 71 | 54/100 |
| Cincinnati, OH |  | 59 | 68/100 |
| Louisville/Jefferson County, KY | KY-IN | 32 | 61/100 |

## Where This Lender Ranks

Forcht Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Kentucky for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#15** in Kentucky for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#19** in Kentucky for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Forcht Bank, National Association offer?

Forcht Bank, National Association offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Forcht Bank, National Association offer mortgages?

Forcht Bank, National Association offers mortgages in 7 states: FL, IN, KY, NC, OH, SC, TN.

### How competitive are Forcht Bank, National Association's mortgage rates?

Forcht Bank, National Association has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.304% above market average.

### What type of lender is Forcht Bank, National Association?

Forcht Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lexington, KY.

### What is Forcht Bank, National Association's loan approval success rate?

Forcht Bank, National Association has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/forcht-bank-national-association

### How to Cite

> "Forcht Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/forcht-bank-national-association

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