Forcht Bank Mortgage Rates, Fees & Info

Lexington, KY

LEI: 549300RGUEWNDH44ES51

Tax ID: 71-0886038

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Mortgage Data

Bank Data

Review & Overview

Forcht Bank is a smaller bank specializing in Home Purchase and Refi loans. Forcht Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Louisville, Lexington, London, and Campbellsville among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)

Forcht Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Forcht Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.06% 3/28/24
30 Year Conventional Refi 5.92% 3/28/24
30 Year Cash-out Refi 6.66% 3/28/24
30 Year FHA Purchase 7.00% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
30 Year VA Purchase 6.23% 3/28/24
30 Year USDA Purchase 6.76% 3/28/24
15 Year Conventional Purchase 5.75% 3/28/24
15 Year Conventional Refi 5.72% 3/28/24
15 Year Cash-out Refi 5.72% 3/28/24
15 Year FHA Purchase 5.68% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Forcht Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Forcht Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

671

Origination Dollar Volume (All Markets)

$179,165,000

Employee count

260 Show all (8) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 219 $78,675,000 $359,247 $2,593 3.37%
LOUISVILLE, KY (FHA|USDA|VA) 110 $35,790,000 $325,364 $3,048 3.28%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 59 $18,755,000 $317,881 $2,573 3.25%
London, KY (FHA|USDA|VA) 97 $14,865,000 $153,247 $1,798 3.39%
Campbellsville, KY (FHA|USDA|VA) 67 $9,305,000 $138,881 $1,949 3.31%
Somerset, KY (FHA|USDA|VA) 55 $7,975,000 $145,000 $2,424 3.10%
Richmond-Berea, KY (FHA|USDA|VA) 18 $4,630,000 $257,222 $2,429 3.40%
Outside of Metro Areas 26 $3,480,000 $133,846 $2,588 3.38%
Boone, NC (FHA|USDA|VA) 2 $1,490,000 $745,000 $0 4.65%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $675,000 $675,000 $0 2.75%
Bardstown, KY (FHA|USDA|VA) 3 $485,000 $161,667 $4,729 2.71%
Madison, IN (FHA|USDA|VA) 1 $475,000 $475,000 $3,857 3.25%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $465,000 $465,000 $4,829 3.25%
Frankfort, KY (FHA|USDA|VA) 2 $420,000 $210,000 $2,363 2.63%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.99%
Danville, KY (FHA|USDA|VA) 2 $300,000 $150,000 $2,279 3.31%
KNOXVILLE, TN (FHA|USDA|VA) 2 $290,000 $145,000 $630 2.87%
Sevierville, TN (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.25%
Mount Sterling, KY (FHA|USDA|VA) 1 $165,000 $165,000 $923 3.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,200 3.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,320 3.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $45,000 $45,000 $2,124 3.25%
Forcht Bank's top markets include Cincinnati, Louisville, Lexington, London, and Campbellsville among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 629 $172,235,000 $273,824 $2,273 3.34%
    FHA 28 $4,150,000 $148,214 $5,046 2.96%
    USDA 8 $1,330,000 $166,250 $4,098 2.77%
    VA 6 $1,450,000 $241,667 $3,350 2.81%

    For 2021, Forcht Bank's most frequently originated type of loan was Conventional, with 629 originations. Their 2nd most popular type was FHA, with 28 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 330 $95,310,000 $288,818 $3,215 3.40%
    Refi 277 $73,485,000 $265,289 $1,698 3.19%
    Cash Out Refi 27 $4,135,000 $153,148 $2,329 3.27%
    Other 19 $4,105,000 $216,053 $1,607 3.55%
    Home Improvement 18 $2,130,000 $118,333 $1,580 3.53%

    For 2021, Forcht Bank's most frequently cited loan purpose was Home Purchase, with 330 originations. The 2nd most popular reason was Refi, with 277 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 288 $67,690,000 $235,035 $2,441 3.29%
    15 Year 147 $26,455,000 $179,966 $1,631 3.00%
    20 Year 94 $30,600,000 $325,532 $1,751 3.66%
    30+ year 81 $36,845,000 $454,877 $4,452 3.45%
    Other 32 $12,150,000 $379,688 $2,355 3.48%
    10 Year 23 $4,735,000 $205,870 $1,342 3.45%
    5 Year 4 $250,000 $62,500 $985 3.25%
    1 Year 2 $440,000 $220,000 $921 3.75%

    For 2021, Forcht Bank's most frequently cited loan duration was 30 Year, with 288 originations. The 2nd most popular length was 15 Year, with 147 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 479 $97,345,000 $203,225
    $1k-2k 87 $36,455,000 $419,023

    Forcht Bank's average total fees were $2,441, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 479 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 385 $112,295,000 $291,675
    2.5-3% 200 $52,120,000 $260,600
    <2.5% 40 $7,020,000 $175,500
    4-5% 37 $7,185,000 $194,189
    6-7% 5 $325,000 $65,000
    5-6% 4 $220,000 $55,000

    During 2021, Forcht Bank's average interest rate for loans was 3.29%, while their most frequently originated rate bucket for loans was 3-4%, with 385 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 233 $33,915,000 $145,558 $2,117 3.29%
    $200k-400k 190 $52,970,000 $278,789 $2,827 3.26%
    $100,000 or less 144 $9,330,000 $64,792 $1,554 3.38%
    $400k-600k 56 $26,850,000 $479,464 $3,315 3.33%
    $600k-1MM 28 $20,070,000 $716,786 $4,536 3.35%
    $1MM+ 20 $36,030,000 $1,801,500 $6,101 3.40%

    2021 saw Forcht Bank place emphasis on $100k-200k loans with 233 originations, totaling $33,915,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 125 $19,095,000 $152,760 $2,351 3.27%
    $50k or less 108 $10,370,000 $96,019 $1,969 3.29%
    $100k-150k 99 $23,085,000 $233,182 $2,708 3.29%
    $75k-100k 98 $18,070,000 $184,388 $2,235 3.27%
    $150k-250k 91 $32,175,000 $353,571 $2,731 3.21%
    $250k+ 54 $31,430,000 $582,037 $3,395 3.19%

    Forcht Bank lent most frequently to those with incomes in the $50k-75k range, with 125 originations. The second most popular income band? $50k or less, with 108 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 173 $41,145,000 $237,832 $2,223 3.22%
    30-36% 109 $22,345,000 $205,000 $2,423 3.26%
    <20% 80 $17,110,000 $213,875 $2,238 3.02%
    42% 35 $8,355,000 $238,714 $3,013 3.38%
    39% 23 $5,555,000 $241,522 $2,606 3.31%
    43% 22 $4,770,000 $216,818 $1,992 3.33%
    40% 19 $3,655,000 $192,368 $2,466 3.39%
    41% 18 $6,330,000 $351,667 $3,376 3.24%
    37% 17 $4,235,000 $249,118 $2,848 3.27%
    36% 15 $3,425,000 $228,333 $2,808 3.38%
    38% 12 $2,330,000 $194,167 $2,485 3.40%
    44% 8 $1,080,000 $135,000 $2,915 3.11%
    48% 7 $2,575,000 $367,857 $3,490 3.02%
    46% 7 $1,295,000 $185,000 $2,666 3.30%
    45% 7 $925,000 $132,143 $1,826 3.52%
    50-60% 7 $2,415,000 $345,000 $2,379 3.54%
    >60% 5 $5,305,000 $1,061,000 $3,425 3.00%
    49% 4 $710,000 $177,500 $2,647 3.22%
    47% 4 $1,050,000 $262,500 $3,234 3.50%

    Forcht Bank lent most frequently to those with DTI ratios of 20-30%, with 173 originations. The next most common DTI ratio? 30-36%, with 109 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 573 $131,815,000 $230,044 $2,439 3.25%
    Not applicable 74 $39,650,000 $535,811 $0 3.74%
    Not provided 14 $5,730,000 $409,286 $2,946 3.49%
    Black 7 $1,355,000 $193,571 $2,209 3.20%
    Asian 2 $510,000 $255,000 $2,338 3.38%
    American Indian 1 $105,000 $105,000 $2,108 3.50%

    Approval Rates

    Total approvals of all applications
    82.48%

    Forcht Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    67.21%

    Forcht Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 671 $179,165,000 $267,012

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    671 $179,165,000 $267,012

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 70 $9,340,000 $133,429 $1,430 3.10%
    40-60% 127 $33,035,000 $260,118 $2,159 3.26%
    60-80% 249 $75,925,000 $304,920 $2,557 3.42%
    80-100% 203 $57,865,000 $285,049 $2,969 3.24%
    Under 20% 22 $3,000,000 $136,364 $1,256 3.72%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 2.9%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 5.9%
    FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 2 5.9%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 2.9%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 10 29.4%
    FIRST HORIZON BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.9%
    FIRST HORIZON BANK FHA mortgage Closing on a mortgage 1 2.9%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 5.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 5.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 2.9%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 6 17.6%
    FIRST HORIZON BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 5.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Forcht Bank, National Association 100 First Financial Plaza London, KY 40741 Full Service B&M $80,950
    Forcht Bank, National Association 102-108 N Public Square Greensburg, KY 42743 Full Service B&M $69,744
    Forcht Bank, National Association 10505 Taylorsville Road Louisville, KY 40209 Full Service B&M $35,396
    Forcht Bank, National Association 1331 U.S. Highway 25 West Williamsburg, KY 40769 Full Service B&M $52,446
    Forcht Bank, National Association 140 Southland Drive Lexington, KY 40503 Full Service B&M $18,202
    Forcht Bank, National Association 1405 East Broadway Campbellsville, KY 42718 Full Service B&M $41,523
    Forcht Bank, National Association 1600 Cumberland Falls Hwy Corbin, KY 40701 Full Service B&M $18,406
    Forcht Bank, National Association 1846 South Highway 27 Somerset, KY 42501 Full Service B&M $117,011
    Forcht Bank, National Association 203-205 South Main Street Williamstown, KY 41097 Full Service B&M $106,982
    Forcht Bank, National Association 2110 Beechmont Ave Cincinnati, OH 45230 Full Service B&M $58,657
    Forcht Bank, National Association 2140 Lantern Ridge Dr Richmond, KY 40475 Full Service B&M $21,789
    Forcht Bank, National Association 2404 Sir Barton Way Lexington, KY 40509 Full Service B&M $135,109
    Forcht Bank, National Association 3358 Tates Creek Rd Lexington, KY 40502 Full Service B&M $17,430
    Forcht Bank, National Association 3549 Columbia Parkway Cincinnati, OH 45226 Full Service B&M $33,183
    Forcht Bank, National Association 391 Campbellsville By-Pass Campbellsville, KY 42718 Full Service B&M $18,574
    Forcht Bank, National Association 406 Knox St Barbourville, KY 40906 Full Service B&M $69,140
    Forcht Bank, National Association 4710 S. Hwy 27 Somerset, KY 42501 Full Service B&M $25,963
    Forcht Bank, National Association 50 Old Whitley Rd London, KY 40744 Full Service B&M $27,979
    Forcht Bank, National Association 58 Broadway Dry Ridge, KY 41035 Full Service B&M $75,056
    Forcht Bank, National Association 6100 1st Financial Dr Burlington, KY 41005 Full Service B&M $70,611
    Forcht Bank, National Association 820 Master Street Corbin, KY 40701 Full Service B&M $66,334
    Forcht Bank, National Association 8492 Dixie Highway Louisville, KY 40258 Full Service B&M $99,177
    Forcht Bank, National Association I-75 And Violet Road Crittenden, KY 41030 Full Service B&M $35,123

    For 2021, Forcht Bank had 23 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $47,646
    Net interest income $43,810
    Total noninterest income $9,928
    Gross Fiduciary activities income $5
    Service charges on deposit accounts $3,154
    Trading account gains and fees $0
    Additional Noninterest Income $6,769
    Pre-tax net operating income $10,391
    Securities gains (or losses, -) $1,038
    Income before extraordinary items $9,886
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,886
    Minority interest net income $0
    Net income $9,886
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,993

    Forcht Bank's gross interest income from loans was $47,646,000.
    Forcht Bank's net interest income from loans was $43,810,000.
    Forcht Bank's fee based income from loans was $3,154,000.
    Forcht Bank's net income from loans was $9,886,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,836
    Provision for credit losses $-500
    Total noninterest expense $43,847
    Salaries and employee benefits $21,060
    Premises and equipment expense $6,608
    Additional noninterest expense $16,179
    Applicable income taxes $1,543
    Net charge-offs $78
    Cash dividends $3,000

    Forcht Bank's interest expense for loans was $3,836,000.
    Forcht Bank's payroll and benefits expense were $21,060,000.
    Forcht Bank's property, plant and equipment expenses $6,608,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,331,611
    Deposits held in domestic offices $1,331,611
    Deposits by Individuals, partnerships, and corporations $1,207,672
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $123,400
    Deposits by Commercial banks and other depository institutions in U.S. $538
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $81,255
    Demand deposits $25,342
    Nontransaction accounts $1,250,355
    Money market deposit accounts (MMDAs) $895,858
    Other savings deposits (excluding MMDAs) $173,659
    Total time deposits $180,838
    Total time and savings deposits $1,306,268
    Noninterest-bearing deposits $228,861
    Interest-bearing deposits $1,102,750
    Retail deposits $1,306,957
    IRAs and Keogh plan accounts $41,341
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,509,253
    Cash & Balances due from depository institutions $88,985
    Interest-bearing balances $54,739
    Total securities $488,627
    Federal funds sold & reverse repurchase $1,304
    Net loans and leases $824,057
    Loan and leases loss allowance $10,292
    Trading account assets $0
    Bank premises and fixed assets $26,057
    Other real estate owned $0
    Goodwill and other intangibles $37,151
    All other assets $43,072

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,509,253
    Total Liabilities $1,343,114
    Total deposits $1,331,611
    Interest-bearing deposits $1,102,750
    Deposits held in domestic offices $1,331,611
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $7,534
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $3,969

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $824,057
    Loan and leases loss allowance $10,292
    Total loans and leases (domestic) $834,349
    All real estate loans $771,905
    Real estate loans in domestic offices $771,905
    Construction and development loans $45,128
    Residential 1-4 family construction $15,419
    Other construction, all land development and other land $29,709
    Loans secured by nonfarm nonresidential properties $253,430
    Nonfarm nonresidential secured by owner-occupied properties $117,095
    Commercial real estate & other non-farm, non-residential $136,335
    Multifamily residential real estate $62,269
    1-4 family residential loans $395,409
    Farmland loans $15,669
    Loans held in foreign offices $0
    Farm loans $390
    Commercial and industrial loans $40,186
    To non-U.S. addressees $0
    Loans to individuals $18,514
    Credit card loans $1,638
    Related Plans $15
    Consumer Auto Loans $5,333
    Other loans to individuals $11,528
    All other loans & leases $3,353
    Loans to foreign governments and official institutions $0
    Other loans $621
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,469
    Non 1-4 family restructured loans & leases $209
    Total loans and leases (foreign) $0

    Forcht Bank had $824,057,000 of loans outstanding in 2021. $771,905,000 of loans were in real estate loans. $45,128,000 of loans were in development loans. $62,269,000 of loans were in multifamily mortgage loans. $395,409,000 of loans were in 1-4 family mortgage loans. $390,000 of loans were in farm loans. $1,638,000 of loans were in credit card loans. $5,333,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 485 $109,134 $225,019
    Nonfarm, nonresidential loans - <$100k 95 $4,042 $42,547
    Nonfarm, nonresidential loans - $100-250k 160 $18,905 $118,156
    Nonfarm, nonresidential loans - $250k-1MM 230 $86,187 $374,726
    Commercial & Industrial, US addressed loans - <$1MM 441 $27,232 $61,751
    Commercial & Industrial, US addressed loans - <$100k 323 $6,533 $20,226
    Commercial & Industrial, US addressed loans - $100-250k 67 $7,269 $108,493
    Commercial & Industrial, US addressed loans - $250k-1MM 51 $13,430 $263,333
    Farmland loans - <$1MM 239 $15,669 $65,561
    Farmland loans - <$100k 239 $15,669 $65,561
    Agriculture operations loans - <$1MM 32 $390 $12,188
    Agriculture operations loans - <$100k 32 $390 $12,188