Applications / Mortgage Analytics / Lenders / Kentucky / The Farmers Bank of Milton
Milton, KY · State non-member bank · FDIC · $313 million assets · 98 loans in 2025
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98
loans originated, 2025
121
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Farmers Bank of Milton is a small-loan lender, heavy in manufactured homes, whose lending shrank in 2025 even as it entered two new markets.
Its 98 loans were 10% fewer than the year before. Similar lenders, other state non-member banks making between half and twice as many loans, grew 9%, so its fall was steeper than at about four in five of them. It made between 147 and 180 loans a year from 2018 to 2022. The data do not say why; the bank may have chosen to lend less, or demand in its mostly rural counties may have slowed.
Manufactured homes were 17.3% of its loans, against 3.1% at similar lenders. Its typical loan was $120,000, down from $155,000 and against $175,000 at similar lenders. The manufactured-home share may explain part of that gap. Purchases and refinances each made up 42.9% of its loans.
In 2025 it lent for the first time in Crestview-Fort Walton Beach-Destin and in Columbus, Indiana. Its share in each rounds to 0.0%. It has lent in Louisville/Jefferson County since 2004 and ranks 149 of 510 lenders there.
Some 26.7% of its loans went to low- and moderate-income (LMI) borrowers, close to the 27.3% at similar lenders. None was in a majority-minority neighborhood, against 6.2% at similar lenders; its 16 counties may hold few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Farmers Bank of Milton took 121 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.9% · Refinance 42.9% · Other 8.2% · Home improvement 6.1%
Conventional 100.0% · of 98 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 | 60 | 61.2% |
| Indiana | 37 | 37.8% |
| Florida | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 26 |
| Columbus | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TDH15867LXRK58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 265340 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312163 | 2004–2017 |
Established 1 January 1902. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Farmers Bank of Milton's data.
The Farmers Bank of Milton's data
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The Farmers Bank of Milton 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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