Applications / Mortgage Analytics / Lenders / Kentucky / South Central Bank
Glasgow, KY · State non-member bank · FDIC · $2.1 billion assets · 1,430 loans in 2025
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1,430
loans originated, 2025
1,849
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
South Central Bank is a Kentucky state non-member bank that ranks second in Bowling Green and makes more government-backed and manufactured-home loans than most similar lenders.
In Bowling Green it ranked 2 of 250 lenders, behind American Bank & Trust Company, with its share up to 5.2% from 4.6%. It ranked 4 of 193 in Elizabethtown and 17 of 537 in non-metro Kentucky, and its shares in Louisville and Lexington-Fayette rose to 0.5% and 0.6%.
Loans insured by the Federal Housing Administration (FHA) were 9.7% of originations, against 2.5% for similar lenders (state non-member banks making between half and twice as many loans). Loans guaranteed by the Department of Veterans Affairs (VA) were 3.5%, and by the Department of Agriculture's Rural Housing Service (RHS) 1.3%; each share was higher than about four in five similar lenders. Manufactured homes were 5.5% of loans, higher than more than nine in ten.
Its typical loan, $155,000, was smaller than at about seven in ten similar lenders, consistent with that mix. Originations rose 10%, close to the 11% of the typical similar lender, but are about half the 2,838 of five years before, which may reflect refinancing when its typical rate was 3.00%, against 7.25% now.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. South Central Bank took 1,849 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.8% · Refinance 30.1% · Home improvement 23.4% · Other 3.7%
Conventional 85.6% · FHA 9.7% · VA 3.5% · USDA (RHS or FSA) 1.3% · of 1,430 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 | 1,376 | 96.2% |
| Tennessee | 24 | 1.7% |
| Indiana | 12 | 0.8% |
| Florida | 6 | 0.4% |
| Ohio | 4 | 0.3% |
| Alabama | 3 | 0.2% |
| Georgia | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bowling Green | 328 |
| Elizabethtown | 203 |
| Louisville/Jefferson County | 144 |
| Owensboro | 107 |
| Lexington-Fayette | 66 |
| Nashville-Davidson--Murfreesboro--Franklin | 17 |
| Clarksville | 5 |
| Cincinnati | 4 |
| Huntington-Ashland | 4 |
| Crestview-Fort Walton Beach-Destin | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LPT41QBMAC7948 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 473042 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35854 | 2016–2017 |
Established 1 January 1908. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: South Central Bank's data.
South Central Bank's data
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