Applications / Mortgage Analytics / Lenders / Kentucky / The Commercial Bank of Grayson
Grayson, KY · State non-member bank · FDIC · $245 million assets · 139 loans in 2025
The Commercial Bank of Grayson's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
139
loans originated, 2025
157
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Commercial Bank of Grayson is an eastern Kentucky lender of small conventional loans, with more manufactured-home lending than most similar lenders and a steady place around Ashland.
Its typical loan of $95,000 is lower than about nine in ten similar lenders (state non-member banks making between half and twice as many loans), against $175,000. Manufactured homes were 17.3% of its loans, against 2.9% for the typical peer; such loans are usually smaller, which may explain much of the gap.
24.5% of its loans were in LMI (low- and moderate-income) tracts, higher than about seven in ten peers and up from 4.7% five years earlier. Its share to LMI borrowers, 22.9%, is lower than about two in three peers; borrowers in lower-income areas need not themselves have low incomes, and its purchase lending, 54.0% of loans, may reach a wider range of buyers.
Its loans rose from 94 in 2019 to 170 in 2023, then eased to 139. A fall of 8% in 2025 put its growth lower than about four in five similar lenders, whose count rose 9%. It filed no report for 2018, a gap in the record rather than a year without lending.
It ranks 21 of 237 lenders in Huntington-Ashland, with 1.5% of the dollars against 1.6% the year before, and has lent there since before 1990. City National Bank of West Virginia leads that market.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Commercial Bank of Grayson took 157 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.0% · Refinance 33.1% · Home improvement 10.1% · Other 2.9%
Conventional 100.0% · of 139 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 | 138 | 99.3% |
| Ohio | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 128 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C88V21IBGP5Y54 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 812614 | 2019–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310137 | 1990–2003 |
Established 1 January 1891. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Commercial Bank of Grayson's data.
The Commercial Bank of Grayson's data
$215
The Commercial Bank of Grayson 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.
Buy The Commercial Bank of Grayson's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]