Applications / Mortgage Analytics / Lenders / Kentucky / Peoples Exchange Bank
Winchester, KY · State non-member bank · FDIC · $615 million assets · 205 loans in 2025
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205
loans originated, 2025
319
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Exchange Bank made 28% fewer loans in 2025 while similar lenders grew, and its share of Lexington-Fayette, its largest market, fell by about half.
It made 205 loans, down from 283. Similar lenders (state non-member banks making between half and twice as many loans) grew 10%, as did the whole market, so its change was among the lowest in its group. Its count swings: it made 239 in 2023. Fewer applications or a choice to lend less could explain the fall; the data do not say which.
In Lexington-Fayette, its largest market since 2001, its share fell from 1.5% to 0.8%, ranking it 31 of 389. Guardian Savings Bank leads there. The fall may simply follow its smaller loan count; the data do not show whether any one rival took what it lost.
Most similar lenders make only conventional loans. Of its loans, 87.3% were conventional and the rest government-backed. Its typical loan, $205,000, was larger than at about three in five peers, whose typical loan was $175,000.
Low- and moderate-income (LMI) areas received 24.9% of its loans, against 17.3% at similar lenders, more than at about three in four of them. None of its loans was higher-priced (a rate well above the average for similar loans), against 2.5% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples Exchange Bank took 319 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.0% · Refinance 33.2% · Home improvement 4.9%
Conventional 87.3% · FHA 8.8% · USDA (RHS or FSA) 2.0% · VA 2.0% · of 205 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 | 196 | 95.6% |
| Ohio | 9 | 4.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 102 |
| Cincinnati | 22 |
| Huntington-Ashland | 6 |
| Louisville/Jefferson County | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q3RKNDNMSDEE10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 129910 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38785 | 2001–2017 |
Established 13 September 1912. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Peoples Exchange Bank's data.
Peoples Exchange Bank's data
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Peoples Exchange Bank 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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