Applications / Mortgage Analytics / Lenders / Kentucky / Peoples Bank of Kentucky
Flemingsburg, KY · State non-member bank · FDIC · $542 million assets · 184 loans in 2025
Peoples Bank of Kentucky's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
184
loans originated, 2025
240
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank of Kentucky is a rural lender with an unusual specialty: manufactured homes made up 27.7% of its 184 loans in 2025, a larger share than at almost all similar banks.
Manufactured homes took 27.7% of its loans, against 2.8% at similar lenders (state non-member banks making between half and twice as many loans). Every loan was conventional. Its typical loan, $115,000, was smaller than at more than eight in ten of them, whose typical loan was $175,000. The manufactured homes may be one reason.
Its loans rose 12% to 184, against 10% at similar lenders and in the whole market. It first reported in 2021. It filed no reports for 2018 to 2020; those are gaps in the record, not years without lending. It is still below the 315 loans it made in 2022.
Low- and moderate-income (LMI) borrowers took 31.1% of its loans, against 27.7% at similar lenders. LMI neighborhoods took 12.5%, against 17.7%, and majority-minority neighborhoods none. Its lending centers on non-metro Kentucky, where such neighborhoods may be few.
In non-metro Kentucky it ranked 52 of 537 lenders, in a market led by Rocket Mortgage. Elsewhere its presence is slight: its shares in Cincinnati, Huntington-Ashland and Lexington-Fayette were 0.0%, unchanged on the year.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Peoples Bank of Kentucky took 240 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.6% · Refinance 28.8% · Home improvement 7.1% · Other 6.5%
Conventional 100.0% · of 184 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 | 177 | 96.2% |
| Ohio | 6 | 3.3% |
| Florida | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 9 |
| Huntington-Ashland | 2 |
| Lexington-Fayette | 2 |
| Dayton-Kettering-Beavercreek | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I8GW9QHQO63J05 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 995517 | 2022–2023 |
Established 6 April 1906. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Peoples Bank of Kentucky's data.
Peoples Bank of Kentucky's data
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