What loan types does Forcht Bank offer?

Forcht Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Forcht Bank offer mortgages?

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

How competitive are Forcht Bank's mortgage rates?

Forcht Bank has an overall pricing score of 33.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Forcht Bank?

Forcht Bank is a Bank headquartered in Lexington, KY.

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Forcht Bank

Bank•Lexington, KYHQ•Direct•Reviews near you on Google

Forcht Bank has 174 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Forcht Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+30.4 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

137 loans · 0.31% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

20 loans · 0.43% above market

Sound

Top 60% of lenders

3/5

Jumbo

11 loans · 0.04% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

147 loans · 0.29% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

27 loans · 0.36% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	137	78.7%	+0.307%Above	$930Fees
FHA Loans	Sound	Sound	—	Sound	20	11.5%	+0.432%Above	$849Fees
Jumbo Loans	Sound	Sound	—	—	11	6.3%	-0.044%Below	$876Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume137

Mix78.7%

Spread

+0.307%Above

Fees

$930Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume20

Mix11.5%

Spread

+0.432%Above

Fees

$849Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix6.3%

Spread

-0.044%Below

Fees

$876Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	147	84.5%	+0.290%Above	$922Fees
Refinance	Acceptable	Acceptable	Mediocre	Acceptable	27	15.5%	+0.361%Above	$969Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume147

Mix84.5%

Spread

+0.290%Above

Fees

$922Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume27

Mix15.5%

Spread

+0.361%Above

Fees

$969Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

174

Applications

301

Volume

$58 million

Pricing & Closing

Avg Rate Spread

+0.304%

vs. market APOR

Avg Net Fees

$931

Origination − Credits

Pullthrough Rate

57.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$334,885

Avg Borrower Income

$187,425

Avg Property Value

$520,287

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

< 1010+None

Midwest2

INOH

South5

FLKYNCSCTN

Top Metro Areas by Place Specialization Score

Cincinnati, OHMetro

Volume 59Mix 33.91% of portfolio

68/100

Strong

Louisville/Jefferson County, KY, KY-INMetro

Volume 32Mix 18.39% of portfolio

61/100

Strong

Top States by Place Specialization Score

KentuckyState

Volume 154Mix 88.51% of portfolio

77/100

Strong

OhioState

Volume 12Mix 6.90% of portfolio

42/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.