Applications / Mortgage Analytics / Lenders / Kentucky / The First National Bank of Brooksville
Brooksville, KY · National bank · OCC · $72.9 million assets · 67 loans in 2025
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67
loans originated, 2025
102
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Brooksville made among the smallest home loans of any similar bank in 2025, a typical $45,000, and 61.5% of its borrowers were LMI (low- and moderate-income), higher than nearly all of them.
Home improvement loans were 32.8% of its 67 loans, ahead of purchase at 29.9% and refinance at 14.9%. Similar lenders here are national banks making between half and twice as many loans; their typical loan was $177,500, about four times Brooksville's. Small repair and improvement loans could account for much of the gap.
34.3% of its loans were in LMI tracts, about double the 15.9% of similar banks and higher than nearly nine in ten. With a footprint of 7 counties, this may reflect the incomes of the places it serves as much as any lending choice.
20.9% of its loans were for manufactured homes, against 1.2% for similar banks, higher than more than nine in ten of them. Manufactured homes can cost less than site-built houses, which may also help explain its small typical loan.
Its count rose 2% to 67, close to the 3% of similar banks and below the whole market's 10%. It filed no report from 2020 to 2022, a gap in the record rather than years without lending.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. The First National Bank of Brooksville took 102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.8% · Purchase 29.9% · Other 22.4% · Refinance 14.9%
Conventional 100.0% · of 67 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 | 67 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 52 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002H3CEW0748X068 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 798512 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18830 | 2004–2017 |
Established 7 July 1907. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Brooksville's data.
The First National Bank of Brooksville's data
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The First National Bank of Brooksville and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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