Applications / Mortgage Analytics / Lenders / Kentucky / Traditional Bank
Mount Sterling, KY · State non-member bank · FDIC · $2.5 billion assets · 759 loans in 2025
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759
loans originated, 2025
914
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Traditional Bank is a Kentucky bank ranked 12 of 389 in Lexington-Fayette, KY, which has added government-backed lending since 2020 while its loan count held steady in 2025.
FHA loans (insured by the Federal Housing Administration) were 4.9% of its lending and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 0.9%, against 0.1% and 0.0% at similar lenders (state non-member banks making between half and twice as many loans). Five years before, all its loans were conventional. Manufactured homes were 7.4% of its lending, against 1.5% at peers, higher than more than eight in ten.
Originations rose 1%, from 749 to 759, against 9% for similar lenders and 10% for the whole market, lower than about seven in ten peers. Its dollar total grew more, to $197.7 million, as its typical loan rose from $155,000 to $175,000. It made 985 loans in 2022, its most since 2018.
It ranked 12 of 389 in Lexington-Fayette, KY, where it has reported since 1999, and its share fell 0.7 points to 2.4%. Guardian Savings Bank and Rocket Mortgage lead. Its flat loan count while the whole market grew is one possible reason; a shift of its lending toward other counties is another.
LMI (low- and moderate-income) borrowers received 31.6% of its loans, against 26.4% at peers, higher than about three-quarters of them, and 17.2% went to LMI areas, against 15.3%. Purchase loans were 48.5% of its 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Traditional Bank took 914 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.5% · Refinance 28.5% · Home improvement 12.8% · Other 10.3%
Conventional 93.8% · FHA 4.9% · USDA (RHS or FSA) 0.9% · VA 0.4% · of 759 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 | 749 | 98.7% |
| Indiana | 4 | 0.5% |
| Florida | 2 | 0.3% |
| North Carolina | 1 | 0.1% |
| Ohio | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 326 |
| Louisville/Jefferson County | 156 |
| Cincinnati | 2 |
| Bowling Green | 1 |
| Elizabethtown | 1 |
| Greensboro-High Point | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Huntington-Ashland | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D88XVKM6DJOC77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 786210 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 32711 | 2001–2017 |
Established 17 March 1902. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Traditional Bank's data.
Traditional Bank's data
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