Applications / Mortgage Analytics / Lenders / Kentucky / Bedford Loan & Deposit Bank
Bedford, KY · State non-member bank · FDIC · $118 million assets · 57 loans in 2025
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57
loans originated, 2025
67
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bedford Loan & Deposit Bank, a small Kentucky bank, is above all a lender on manufactured homes, which made up 40.4% of its loans in 2025.
Similar lenders, state non-member banks making between half and twice as many loans, put just 2.6% of their loans into manufactured homes. Bedford was higher than nearly all of them. Its typical loan was $75,000, against $170,000, among the lowest twentieth; manufactured homes may account for the smaller loans. Every loan was conventional, and just over half were for home purchase.
It made 42.6% of its loans to low- and moderate-income (LMI) borrowers, against 27.1% at similar lenders, higher than more than eight in ten. Only 10.5% were in LMI tracts, against 18.6%, and none were in majority-minority tracts, against 6.6%. Its biggest market is non-metro Kentucky, where such tracts may be few.
Its loans rose 27%, from 45 to 57, against 7% at similar lenders. Yet it made 123 loans in 2022 and 86 in 2023, so it remains below those years. With 57 loans, small changes move its shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bedford Loan & Deposit Bank took 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.6% · Refinance 28.1% · Other 14.0% · Home improvement 5.3%
Conventional 100.0% · of 57 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 | 54 | 94.7% |
| Indiana | 3 | 5.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 18 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GXRG31CBWWTR70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 696047 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311355 | 2003–2017 |
Established 2 November 1891. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Bedford Loan & Deposit Bank's data.
Bedford Loan & Deposit Bank's data
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Bedford Loan & Deposit 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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