Applications / Mortgage Analytics / Lenders / Kentucky / First Southern National Bank / Competition
First Southern National Bank
Lancaster, KY · National bank · OCC · $1.3 billion assets · 510 loans in 2025
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510
loans originated, 2025
552
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Who First Southern National 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
First Southern National Bank ranks 30th of 537 lenders in non-metro Kentucky, with $46.6M lent: 0.9% 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 First Southern National 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 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — HUNTSVILLE, AL, 2025
First Southern National Bank ranks 39th of 440 lenders in Huntsville, AL, with $30.0M lent: 0.6% of a $4.63B market.
Huntsville, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Southern National 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. 3 — BOWLING GREEN, KY, 2025
First Southern National Bank ranks 29th of 250 lenders in Bowling Green, KY, with $11.3M lent: 0.9% 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 First Southern National 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. 4 — LEXINGTON-FAYETTE, KY, 2025
First Southern National Bank ranks 61st of 389 lenders in Lexington-Fayette, KY, with $10.2M lent: 0.3% 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 First Southern National 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. 5 — CLARKSVILLE, KY-TN, 2025
First Southern National Bank ranks 77th of 397 lenders in Clarksville, KY-TN, with $5.1M lent: 0.2% of a $2.82B market.
Clarksville, KY-TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Southern National 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. 6 — NON-METRO INDIANA, 2025
First Southern National Bank ranks 539th of 555 lenders in non-metro Indiana, with $65K lent: 0.0% of a $5.84B market.
non-metro Indiana is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Southern National 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 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NON-METRO MICHIGAN, 2025
First Southern National Bank ranks 446th of 606 lenders in non-metro Michigan, with $405K lent: 0.0% of a $7.04B market.
non-metro Michigan is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Southern National 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 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — PHOENIX-MESA-CHANDLER, AZ, 2025
First Southern National Bank ranks 725th of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $565K lent: 0.0% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Southern National 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 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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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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