Applications / Mortgage Analytics / Lenders / Kentucky / Farmers Bank
Nicholasville, KY · State non-member bank · FDIC · $269 million assets · 116 loans in 2025
Farmers Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
116
loans originated, 2025
140
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Bank, of Nicholasville, Kentucky, has lent around Lexington since at least 1990, and its 116 loans in 2025 brought it back to where it stood before 2020.
It made 116 loans, as many as in 2024, while similar lenders, state non-member banks making between half and twice as many loans, grew 9%. It made 214 in 2020 and 252 in 2021. Its count is now close to the 110 and 114 of 2018 and 2019.
Purchases made up 56.9% of its loans and refinances 36.2%, all conventional. Its typical loan was $210,000, against $175,000 at similar lenders, higher than at about two-thirds of them.
In Lexington-Fayette it ranked 36 of 389 lenders, with 0.7% of the market, down from 0.9%. Guardian Savings Bank and Rocket Mortgage led. With 116 loans, a handful of loans can move a dollar share that much.
Borrowers of low and moderate income (LMI) took 25.3% of its loans and poorer neighborhoods 19.0%. Both put it near the middle of similar lenders. It lends in one metro area and 13 counties in Kentucky.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers Bank took 140 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.9% · Refinance 36.2% · Home improvement 6.0% · Other 0.9%
Conventional 100.0% · of 116 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 | 116 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 83 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H5B5USE8BS1V31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 485214 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314894 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers Bank's data.
Farmers Bank's data
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Farmers 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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