Applications / Mortgage Analytics / Lenders / Kentucky / South Central Bank / Competition
South Central Bank
Glasgow, KY · State non-member bank · FDIC · $2.1 billion assets · 1,430 loans in 2025
South Central Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,430
loans originated, 2025
1,849
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Who South Central Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO KENTUCKY, 2025
South Central Bank ranks 17th of 537 lenders in non-metro Kentucky, with $70.7M lent: 1.3% of a $5.26B market.
non-metro Kentucky is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and South Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — BOWLING GREEN, KY, 2025
South Central Bank ranks 2nd of 250 lenders in Bowling Green, KY, with $64.9M lent: 5.2% of a $1.24B market.
Bowling Green, KY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and South Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — ELIZABETHTOWN, KY, 2025
South Central Bank ranks 4th of 193 lenders in Elizabethtown, KY, with $52.2M lent: 6.2% of a $847.0M market.
Elizabethtown, KY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and South Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — LOUISVILLE/JEFFERSON COUNTY, IN-KY, 2025
South Central Bank ranks 53rd of 510 lenders in Louisville/Jefferson County, IN-KY, with $43.9M lent: 0.5% of a $9.69B market.
Louisville/Jefferson County, IN-KY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and South Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — LEXINGTON-FAYETTE, KY, 2025
South Central Bank ranks 43rd of 389 lenders in Lexington-Fayette, KY, with $20.5M lent: 0.6% of a $3.62B market.
Lexington-Fayette, KY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and South Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CHATTANOOGA, GA-TN, 2025
South Central Bank ranks 273rd of 525 lenders in Chattanooga, GA-TN, with $965K lent: 0.0% of a $4.21B market.
Chattanooga, GA-TN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and South Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — HICKORY-LENOIR-MORGANTON, NC, 2025
South Central Bank ranks 320th of 374 lenders in Hickory-Lenoir-Morganton, NC, with $255K lent: 0.0% of a $2.28B market.
Hickory-Lenoir-Morganton, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and South Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — CLEVELAND, OH, 2025
South Central Bank ranks 482nd of 577 lenders in Cleveland, OH, with $235K lent: 0.0% of a $11.41B market.
Cleveland, OH is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and South Central Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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South Central Bank 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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