A jump in Owensboro
In Owensboro it ranked 10 of 163 lenders; Liberty Federal Credit Union led. Shares are counted in dollars, so a few large loans can move them. In Bowling Green it ranked 24 of 250, and its share slipped to 1.5% from 1.7%.
Applications / Mortgage Analytics / Lenders / Kentucky / Farmers Bank and Trust Company
Farmers Bank and Trust Company
Marion, KY · State non-member bank · FDIC · $760 million assets · 251 loans in 2025
Farmers Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
251
loans originated, 2025
315
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers Bank and Trust Company grew fast in Owensboro in 2025, where its share rose to 3.5% from 0.5%.
Keeping pace
It made 251 loans, up 10%. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%. Its typical loan rose to $155,000 from $105,000, still below the $175,000 at its peers.
Buyers and manufactured homes
Purchases made up 62.9% of its loans, all conventional. Manufactured homes were 8.4%, against 2.5% at similar lenders, more than about three in four of them. Jumbo loans (larger than the conforming limit) were 3.1%, against 1.3%.
Bigger than before its merger
It made 151 loans in 2018 and 162 in 2019. Lending peaked at 423 in 2022. Today's 251 is still well above where it started. Its 2019 merger with First State Bank may account for part of that rise.
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
251 loans in 2025, against a peak of 423 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers Bank and Trust Company took 315 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
62.9% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 62.9% · Refinance 26.7% · Other 6.0% · Home improvement 4.4%
Conventional 100.0% · of 251 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
6 states, 10 metros, 32 counties
| State | Loans | Share |
|---|---|---|
| Kentucky | 241 | 96.0% |
| Indiana | 3 | 1.2% |
| Tennessee | 3 | 1.2% |
| Florida | 2 | 0.8% |
| Hawaii | 1 | 0.4% |
| Illinois | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Bowling Green | 49 |
| Owensboro | 11 |
| Paducah | 11 |
| Evansville | 3 |
| Panama City-Panama City Beach | 2 |
| Chattanooga | 1 |
| Clarksville | 1 |
| Knoxville | 1 |
| Louisville/Jefferson County | 1 |
| Urban Honolulu | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P8KQYPAVPZL931 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 262741 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312869 | 2016–2017 |
Established 1 December 1899. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Farmers Bank and Trust Company's data.
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