Applications / Mortgage Analytics / Lenders / Kentucky / Planters Bank
Hopkinsville, KY · State non-member bank · FDIC · $1.9 billion assets · 344 loans in 2025
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344
loans originated, 2025
350
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Planters Bank is a Kentucky bank whose mortgage business turns on Clarksville, where it ranks 17 of 397 lenders and gained share in 2025.
It has lent in Clarksville since 1998. Its share there rose to 1.7% from 1.5%, against national lenders such as Mortgage Research Center and United Wholesale Mortgage, which lead the market. Outside the metros, in non-metro Kentucky, it ranks 106 of 537.
Purchases made up 40.4% of its loans. Refinances, home improvement and other purposes made up the rest. That spread may help explain its smaller loans: a typical $135,000, against $185,000 at similar lenders (state non-member banks making between half and twice as many loans), lower than about three in four of them.
Low- and moderate-income (LMI) neighborhoods took 22.7% of its loans, against 16.5% at similar lenders, higher than about three in four of them. Majority-minority neighborhoods took 14.0%, about twice the 6.7% at peers.
It made 344 loans, up 6% from 326, a little slower than the 9% growth of similar lenders. Its dollar volume held roughly level at $67.8 million. It made more loans five years before, 423, and more still in 2022, 493.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Planters Bank took 350 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.4% · Refinance 24.1% · Other 18.3% · Home improvement 17.2%
Conventional 100.0% · of 344 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 | 253 | 73.5% |
| Tennessee | 85 | 24.7% |
| Florida | 3 | 0.9% |
| Alabama | 2 | 0.6% |
| South Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Clarksville | 240 |
| Nashville-Davidson--Murfreesboro--Franklin | 13 |
| Bowling Green | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Daphne-Fairhope-Foley | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Huntsville | 1 |
| Lexington-Fayette | 1 |
| Louisville/Jefferson County | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IHBKY3L5OIDT39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2497181 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334254 | 1998–2017 |
Established 12 September 1996. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Planters Bank's data.
Planters Bank's data
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