Applications / Mortgage Analytics / Lenders / Kentucky / First United Bank and Trust Company
Madisonville, KY · State non-member bank · FDIC · $594 million assets · 119 loans in 2025
First United Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
119
loans originated, 2025
132
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First United Bank and Trust Company, which first reported in 2022, gained share in Owensboro and Paducah in 2025.
In Owensboro it ranked 14 of 163 lenders, with its share up to 1.4% from 0.9%; Liberty Federal Credit Union led. In Paducah it rose to 0.5% and ranked 33 of 164. Shares are counted in dollars, so a few larger loans may account for much of the rise.
It made 119 loans, up 9%, the same as similar lenders (state non-member banks making between half and twice as many loans). Its dollar lending rose to $27.8 million from $17.6 million. In 2022, its first reported year, it made 272.
Purchases made up 59.7% of its loans, all conventional. Its typical loan was $135,000, against $175,000 at peers.
Low- and moderate-income (LMI) borrowers took 16.8% of its loans, against 27.9% at peers, lower than at about four in five similar lenders. The applicants in the few markets it serves may explain it. Its share in LMI areas, 16.1%, was near the middle, up from 6.4% in 2024.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First United Bank and Trust Company took 132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.7% · Refinance 32.8% · Home improvement 4.2% · Other 3.4%
Conventional 100.0% · of 119 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 | 113 | 95.0% |
| Indiana | 4 | 3.4% |
| Alabama | 1 | 0.8% |
| Texas | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Owensboro | 17 |
| Evansville | 4 |
| Paducah | 4 |
| Bowling Green | 2 |
| Clarksville | 1 |
| Daphne-Fairhope-Foley | 1 |
| Wichita Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V9HKOIF4980H71 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2356091 | 2022–2023 |
Established 29 March 1996. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: First United Bank and Trust Company's data.
First United Bank and Trust Company's data
$215
First United Bank and Trust Company 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.
Buy First United Bank and Trust Company's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]