Applications / Mortgage Analytics / Lenders / Kentucky / Edmonton State Bank
Glasgow, KY · State non-member bank · FDIC · $1.1 billion assets · 520 loans in 2025
Edmonton State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
520
loans originated, 2025
730
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Edmonton State Bank is a Kentucky purchase lender whose originations rose 20% in 2025, about twice the pace of similar lenders, and which ranks 12 of 250 in Bowling Green.
Originations rose 20% to 520, against 9% for the typical similar lender (state non-member banks making between half and twice as many loans) and 10% for the whole market, faster than about three in four peers. Purchases were 61.2% of its loans and refinances 26.5%. Its typical loan, $175,000, was near the middle of its peers.
21.3% of its loans were in low- and moderate-income (LMI) tracts, against 15.8% for peers, more than about three in four similar lenders, and up from 10.8% five years earlier. Its share of loans to LMI borrowers, 27.2%, was near the middle.
3.5% of its loans were guaranteed by the Department of Agriculture's Rural Housing Service (RHS), more than at nine in ten peers, and 7.5% were for manufactured homes, against 1.6%. Only 2.1% were in majority-minority tracts, against 7.2%; one possible reason is the population of the 25 counties where it lends, mostly in Kentucky.
It ranks 12 of 250 lenders there, with 2.5% of the dollars against 2.8% a year earlier, in a market led by American Bank & Trust Company and South Central Bank. Faster growth by competitors, or a few larger loans, could move a share this size. In Nashville its share rose to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Edmonton State Bank took 730 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.2% · Refinance 26.5% · Other 6.3% · Home improvement 6.0%
Conventional 96.5% · USDA (RHS or FSA) 3.5% · of 520 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 | 424 | 81.5% |
| Tennessee | 95 | 18.3% |
| Louisiana | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bowling Green | 107 |
| Nashville-Davidson--Murfreesboro--Franklin | 94 |
| Owensboro | 2 |
| Lexington-Fayette | 1 |
| Monroe | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AJ6XFK1ACXWQ06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 845247 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39678 | 2008–2017 |
Established 17 March 1899. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Edmonton State Bank's data.
Edmonton State Bank's data
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