Applications / Mortgage Analytics / Lenders / Kentucky / Bank of Buffalo
Buffalo, KY · State member bank · FRS · $133 million assets · 37 loans in 2025
Bank of Buffalo's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
37
loans originated, 2025
37
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Buffalo, a small Kentucky bank, makes modest loans for home buyers. It made 37 in 2025, 18% fewer than in 2024.
Its typical loan was $125,000, against $195,000 at similar lenders (state member banks making between half and twice as many loans), lower than more than four in five of them. Manufactured homes were 13.5% of its loans, where most peers made none, which possibly accounts for part of the gap. Home purchases made up 73.0% of its loans and refinances 24.3%, all conventional.
It made 37 loans, down from 45, while similar lenders grew 1%. At this size a few loans make a large change. It made 57 loans in 2023 and filed no reports for 2020 to 2022.
Elizabethtown is its largest market, and it has lent there since 2004. It ranked 33 of 193 lenders with 0.5%, down from 0.6%, a change a few loans could make at its size. United Wholesale Mortgage and Abound Federal Credit Union led.
Low- and moderate-income (LMI) neighborhoods took 21.6% of its loans, against 16.4% at similar lenders. How many of its loans each year go to manufactured homes, and where, is not clear from these figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Bank of Buffalo took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.0% · Refinance 24.3% · Home improvement 2.7%
Conventional 100.0% · of 37 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 | 37 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elizabethtown | 21 |
| Bowling Green | 1 |
| Lexington-Fayette | 1 |
| Louisville/Jefferson County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930035PML8BGK0PX59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 825940 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2825940 | 2004–2017 |
Established 7 January 1901. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of Buffalo's data.
Bank of Buffalo's data
$215
Bank of Buffalo 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.
Buy Bank of Buffalo's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]