Applications / Mortgage Analytics / Lenders / Kentucky / FNB Bank
Mayfield, KY · State non-member bank · FDIC · $750 million assets · 203 loans in 2025
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203
loans originated, 2025
291
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FNB Bank, a Kentucky lender to home buyers, made 36% more loans in 2025, regaining most of the ground it had lost since 2022.
Purchases made up 72.4% of its loans and refinances 18.7%, all conventional. Its typical loan rose to $155,000 from $115,000, still below the $175,000 at similar lenders (banks of the same type making between half and twice as many loans).
Its count fell from 221 in 2022 to 149 in 2024. In 2025 it rose to 203, while similar lenders and the whole market each grew 10%; it grew faster than more than four in five of its peers. It is still a little below the 228 it made in 2020.
In Paducah, IL-KY it ranked 13 of 164 lenders with 2.4% of the market, down 0.4 points even as its own lending grew. Rivals there may have grown faster, or its growth may have come elsewhere: its share in Clarksville, KY-TN rose 0.1 points. Its largest market is non-metro Kentucky, where it ranked 59 of 537.
Borrowers with low and moderate incomes took 27.2% of its loans, close to peers' 27.9% and up from 20.8%. Its share in poorer neighborhoods (low- and moderate-income tracts), 12.5%, was lower than peers' 17.5%, which may reflect the markets it serves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FNB Bank took 291 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.4% · Refinance 18.7% · Home improvement 6.4% · Other 2.5%
Conventional 100.0% · of 203 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 | 195 | 96.1% |
| Tennessee | 6 | 3.0% |
| Alabama | 1 | 0.5% |
| Illinois | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Clarksville | 50 |
| Paducah | 41 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Daphne-Fairhope-Foley | 1 |
| Louisville/Jefferson County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SDO5FP7F86HH46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 400141 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 32759 | 2011–2017 |
Established 1 January 1875. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: FNB Bank's data.
FNB Bank's data
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