Applications / Mortgage Analytics / Lenders / Kentucky / First Southern National Bank
Lancaster, KY · National bank · OCC · $1.3 billion assets · 510 loans in 2025
First Southern National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
510
loans originated, 2025
552
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Southern National Bank is a Kentucky national bank making small conventional loans, typically $105,000, about half the size of similar lenders' loans, and its 510 loans in 2025 were 7% more than in 2024.
Its typical loan was $105,000, against $205,000 at similar lenders (national banks making between half and twice as many loans), among the lowest of them. Every loan was conventional, and home improvement (13.1%) and other purposes (12.5%) made up about a quarter of its lending. Manufactured homes were 5.9% of its loans, against 1.2% at peers.
Originations rose 7%, against 5% at similar lenders and 10% for the whole market. Its yearly count has stayed between 475 and 592 since 2018, apart from 809 in 2022. Its purchase denial rate, 1.0%, was lower than at almost all peers.
LMI (low- and moderate-income) areas took 8.6% of its loans, against 15.5% at similar lenders, lower than nearly nine in ten of them, and down from 13.5% five years before. LMI borrowers took 21.7%, against 26.9%. A possible reason is the counties it serves, mostly in non-metro Kentucky, its largest market.
It first lent in Huntsville, AL in 2025 and ranked 39 of 440 lenders there, with 0.6% of the market. In Bowling Green, KY its share fell to 0.9% from 1.8%; a share this small can move with a handful of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Southern National Bank took 552 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 38.0% · Purchase 36.3% · Home improvement 13.1% · Other 12.5%
Conventional 100.0% · of 510 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 | 490 | 96.1% |
| Tennessee | 8 | 1.6% |
| Alabama | 6 | 1.2% |
| Illinois | 2 | 0.4% |
| Arizona | 1 | 0.2% |
| Florida | 1 | 0.2% |
| Indiana | 1 | 0.2% |
| Michigan | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bowling Green | 55 |
| Lexington-Fayette | 28 |
| Clarksville | 17 |
| Nashville-Davidson--Murfreesboro--Franklin | 8 |
| Auburn-Opelika | 5 |
| Owensboro | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Elizabethtown | 1 |
| Huntsville | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C853H86L248593 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 702612 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 11493 | 1999–2017 |
Established 13 April 1865. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: First Southern National Bank's data.
First Southern National Bank's data
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First Southern National 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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