Applications / Mortgage Analytics / Lenders / Kentucky / Franklin Bank & Trust Company
Franklin, KY · State non-member bank · FDIC · $801 million assets · 125 loans in 2025
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125
loans originated, 2025
132
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Franklin Bank & Trust Company, a Kentucky bank, is gaining ground in Bowling Green, its largest market, and its loans rose 19% in 2025.
It ranks 14 of 250 lenders in Bowling Green, with 2.2% of the market, up from 1.5%; American Bank & Trust Company leads. It has lent there since its first report in 2004. In 2025 it made its first loans in Owensboro and Evansville.
Its loans rose 19%, against 9% at similar lenders (state non-member banks making between half and twice as many loans), faster than at about two-thirds of them. Its yearly count has stayed between 98 and 159 since 2018, so 2025 was a recovery from 105 in 2024 rather than a break with the past.
Home purchases made up 60.8% of its loans and refinances 35.2%. All were conventional. Its typical loan, $175,000, was the same as at similar lenders.
Borrowers with low or moderate incomes (LMI) took 33.3% of its loans, up from 18.9% in 2024 and above the 27.9% at similar lenders. With 125 loans, a modest change in who borrowed can move this figure, so one year is too little to read much into. Its share in poorer neighborhoods, 16.8%, was near the middle of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Franklin Bank & Trust Company took 132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.8% · Refinance 35.2% · Home improvement 4.0%
Conventional 100.0% · of 125 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 | 92.8% |
| Tennessee | 4 | 3.2% |
| Alabama | 2 | 1.6% |
| Florida | 2 | 1.6% |
| Indiana | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bowling Green | 63 |
| Nashville-Davidson--Murfreesboro--Franklin | 4 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Daphne-Fairhope-Foley | 2 |
| Louisville/Jefferson County | 2 |
| Evansville | 1 |
| Lexington-Fayette | 1 |
| Owensboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008MFIR0PTRGGL44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 493844 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317937 | 2004–2017 |
Established 1 December 1958. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Franklin Bank & Trust Company's data.
Franklin Bank & Trust Company's data
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Franklin Bank & 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.
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