Applications / Mortgage Analytics / Lenders / Kentucky / Eclipse Bank
Louisville, KY · State non-member bank · FDIC · $482 million assets · 84 loans in 2025
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84
loans originated, 2025
122
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Eclipse Bank, a Louisville, Kentucky home-purchase lender active in seven states, made fewer loans in 2025 but lent more money, because its loans grew larger.
It made 84 loans, 21% fewer than in 2024, while similar lenders (state non-member banks making between half and twice as many loans) typically grew 9%. Yet its lending rose to $35.2 million from $29.3 million. Its typical loan reached $260,000, against $175,000 at peers. Its loans have fallen each year since 2022, its first report after a gap from 2018 to 2021. With under 100 loans, a few loans make a large difference.
Home purchases made up 75.0% of its loans. It also made a few government-backed loans: 3.6% were FHA loans (insured by the Federal Housing Administration) and 1.2% VA loans (guaranteed by the Department of Veterans Affairs). Most similar lenders made none.
Louisville/Jefferson County, IN-KY is its largest market. It ranked 103 of 510 lenders there, with a steady 0.2% share; United Wholesale Mortgage leads. Its share in Elizabethtown, KY rose to 0.4%. It has lent in Johnson City and Kingsport-Bristol since 2022, and in 2025 made its first loans in Salt Lake City, Charlotte and Bowling Green.
Of its loans, 32.4% went to low- and moderate-income (LMI) borrowers, up from 21.1% a year earlier. That was higher than about two-thirds of similar lenders, whose share was 27.7%.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Eclipse Bank took 122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Refinance 17.9% · Home improvement 3.6% · Other 3.6%
Conventional 95.2% · FHA 3.6% · VA 1.2% · of 84 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 | 50 | 59.5% |
| Tennessee | 27 | 32.1% |
| Indiana | 2 | 2.4% |
| Ohio | 2 | 2.4% |
| Alabama | 1 | 1.2% |
| South Carolina | 1 | 1.2% |
| Utah | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 49 |
| Johnson City | 19 |
| Kingsport-Bristol | 8 |
| Bowling Green | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Cincinnati | 1 |
| Dayton-Kettering-Beavercreek | 1 |
| Elizabethtown | 1 |
| Lexington-Fayette | 1 |
| Salt Lake City-Murray | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490014T1E9ZF0ODZ87 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3347603 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358049 | 2007–2016 |
Established 14 October 2005. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Eclipse Bank's data.
Eclipse Bank's data
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