A local name in Huntington-Ashland
Its share of the Huntington-Ashland market edged up to 1.1% from 1.0% in 2025. City National Bank of West Virginia leads with $116.5M. Elsewhere it is a minor lender.
Applications / Mortgage Analytics / Lenders / Kentucky / Kentucky Farmers Bank
Kentucky Farmers Bank
Catlettsburg, KY · State non-member bank · FDIC · $331 million assets · 92 loans in 2025
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92
loans originated, 2025
164
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kentucky Farmers Bank ranks 25 of 237 lenders in Huntington-Ashland, a market it has served since at least 1990, and makes small loans with more manufactured homes than most similar banks.
Small loans, many manufactured homes
Its typical loan was $105,000, against $175,000 at similar banks (state non-member banks making between half and twice as many loans); nearly nine in ten lend more per loan. Manufactured homes made up 12.0% of its loans, against 3.1% at its peers. They usually cost less than site-built houses, which may help keep its loans small.
Back from a slump
It made 92 loans, up 12% from 82, slightly faster than the 9% at its peers. Its count peaked at 176 in 2021 and fell to 82 in both 2023 and 2024.
Neighborhoods near the norm
Low- and moderate-income neighborhoods took 18.5% of its loans, against 18.3% at its peers, and low- and moderate-income borrowers 24.7%, against 27.4%. It made no loans in majority-minority neighborhoods, against 6.4% at its peers; its ten counties may hold few of them.
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
92 loans in 2025, against a peak of 176 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kentucky Farmers Bank took 164 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
57.6% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 57.6% · Refinance 22.8% · Other 13.0% · Home improvement 6.5%
Conventional 100.0% · of 92 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
3 states, 2 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Kentucky | 73 | 79.3% |
| Ohio | 14 | 15.2% |
| West Virginia | 5 | 5.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 81 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CGYC6O4770DL96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 683814 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3267 | 1990–2017 |
Established 1 January 1931. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kentucky Farmers Bank's data.
The data and the software behind these pages
Kentucky Farmers Bank's data
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Kentucky Farmers 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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