Applications / Mortgage Analytics / Lenders / Kentucky / The Cecilian Bank
Cecilia, KY · State non-member bank · FDIC · $1.6 billion assets · 697 loans in 2025
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697
loans originated, 2025
915
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Cecilian Bank is a Kentucky small-loan lender: its typical loan of $105,000 is lower than at almost all similar lenders, and it grew 14% in 2025, faster than most similar lenders.
Its typical loan was $105,000, against $195,000 at similar lenders (state non-member banks making between half and twice as many loans); that is among the lowest twentieth. Home improvement (15.6%) and other purposes (22.0%) make up over a third of its loans, and manufactured homes were 9.3% of its lending against 1.5% at peers.
Originations rose 14%, from 609 to 697, against 9% for similar lenders and 10% for the whole market, higher than about two-thirds of its peers. Because its loans are small, its dollar total of $133.5 million is below the peer figure of $169.0 million.
It ranked 5 of 193 in Elizabethtown, KY, where it has reported since 2004, behind United Wholesale Mortgage and Abound Federal Credit Union. Its share fell 1.5 points to 5.4%. Shares here are measured in dollars, so a lender of small loans can lose share when others make larger ones; its typical loan was unchanged at $105,000.
It turned down 9.9% of first-lien refinance applications on owner-occupied homes, against 14.4% at similar lenders, lower than about two-thirds of them. Its share of loans to LMI (low- and moderate-income) borrowers, 25.5%, is near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Cecilian Bank took 915 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.7% · Refinance 25.7% · Other 22.0% · Home improvement 15.6%
Conventional 100.0% · of 697 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 | 691 | 99.1% |
| Indiana | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elizabethtown | 214 |
| Louisville/Jefferson County | 87 |
| Bowling Green | 17 |
| Lexington-Fayette | 6 |
| Owensboro | 3 |
| Cincinnati | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S2RLEOF6WG7P87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 982142 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38774 | 2004–2017 |
Established 1 May 1903. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Cecilian Bank's data.
The Cecilian Bank's data
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The Cecilian 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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