Applications / Mortgage Analytics / Lenders / Kentucky / Bank of Edmonson County
Brownsville, KY · State non-member bank · FDIC · $283 million assets · 123 loans in 2025
Bank of Edmonson County's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
123
loans originated, 2025
142
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Edmonson County is a fixture of Bowling Green, where it has lent since 2004 and ranks 13 of 250 lenders, and it lends on manufactured homes far more than most banks its size.
The bank holds 2.3% of mortgage lending in Bowling Green, KY, the same share as a year earlier. American Bank & Trust Company and South Central Bank lead that market. Outside it the bank is a small player, ranking 161 of 537 lenders in non-metro Kentucky.
It made 123 loans in 2025, up 4% from 118, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. Its yearly count has stayed between 109 and 137 since 2018. The loans themselves have grown: its dollar volume rose from $15.9 million in 2020 to $33.3 million.
Manufactured homes made up 13.8% of its loans, against 3.1% at similar lenders, a higher share than at more than four in five of them. That may help explain why its typical loan, $155,000, is a little smaller than the group's $175,000. Every loan it made was conventional.
Of its loans, 27.1% went to poorer neighborhoods (low- and moderate-income, or LMI, tracts). Similar lenders put 17.6% there, so the bank is higher than about three-quarters of them. Its share of loans to LMI borrowers, 27.7%, sits near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Edmonson County took 142 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.8% · Refinance 34.1% · Other 7.3% · Home improvement 5.7%
Conventional 100.0% · of 123 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 | 123 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bowling Green | 108 |
| Elizabethtown | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T68H0CMTF8ZH83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 903240 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3296 | 2004–2017 |
Established 1 January 1925. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of Edmonson County's data.
Bank of Edmonson County's data
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Bank of Edmonson County 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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