Applications / Mortgage Analytics / Lenders / Kentucky / First National Bank of Kentucky
Carrollton, KY · National bank · OCC · $242 million assets · 86 loans in 2025
First National Bank of Kentucky's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
86
loans originated, 2025
101
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Kentucky made 34% more loans in 2025, faster than about four in five similar lenders, and began lending as far away as Colorado and Tennessee.
It made 86 loans, up from 64. Similar lenders, national banks making between half and twice as many loans, grew by 6%, and the market by 10%. It first reported in 2019 and filed no report for 2018 or 2020 to 2022; those are gaps in the record, not years without lending. In 2025 it first lent in non-metro Colorado and non-metro Tennessee.
Manufactured homes made up 16.3% of its loans, against 1.7% at similar lenders, higher than about nine in ten of them. Purchases (40.7%) and refinances (38.4%) led, with home improvement at 14.0%. Every loan was conventional, and its typical loan, $185,000, was close to peers' $182,500.
Low- and moderate-income (LMI) neighborhoods took 30.6% of its loans, against 16.1% at similar lenders, higher than more than four in five of them. Its share of loans to LMI borrowers, 22.2%, was close to peers' 23.0%.
In Cincinnati it ranked 186 of 621 lenders with 0.1% of the market, unchanged. In non-metro Kentucky it ranked 170 of 537. It has lent around Cincinnati and Louisville since 2019, with a tiny share in Louisville.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First National Bank of Kentucky took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.7% · Refinance 38.4% · Home improvement 14.0% · Other 7.0%
Conventional 100.0% · of 86 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 | 78 | 90.7% |
| Ohio | 5 | 5.8% |
| Colorado | 1 | 1.2% |
| Indiana | 1 | 1.2% |
| Tennessee | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 36 |
| Louisville/Jefferson County | 18 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001TX8MBDGWWWF50 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 907444 | 2019–2023 |
Established 1 January 1881. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: First National Bank of Kentucky's data.
First National Bank of Kentucky's data
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First National Bank of Kentucky 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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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.
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