Applications / Mortgage Analytics / Lenders / Kentucky / The Peoples Bank
Taylorsville, KY · State non-member bank · FDIC · $137 million assets · 76 loans in 2025
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76
loans originated, 2025
95
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Peoples Bank, a small Kentucky lender based in Taylorsville, makes an unusual share of its loans on manufactured homes: 19.7%, against 2.6% at similar banks.
That share was higher than at about nine in ten similar lenders (state non-member banks making between half and twice as many loans). Purchases made up 61.8% of its 76 loans and refinancing 27.6%. Every loan was conventional.
It made 18.6% of its loans at higher prices (a rate well above the average for similar loans), against 5.6% at similar lenders. Loans on manufactured homes are often priced this way, and at 19.7% of its lending they could account for most of the difference. Its typical rate, 7.25%, was close to the peer figure of 7.00%. The higher-priced share was also lower than the 30.6% of 2024.
Its largest market is Louisville/Jefferson County, where it ranked 90 of 510 lenders with a steady 0.2% share. Its loans rose 15% in 2025, faster than the 9% at similar lenders and 10% in the whole market. It filed no report for 2020 and 2021; those are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. The Peoples Bank took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.8% · Refinance 27.6% · Other 9.2% · Home improvement 1.3%
Conventional 100.0% · of 76 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 | 76 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 69 |
| Elizabethtown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SUOO1RFWRM7N78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 76443 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31566 | 2004–2017 |
Established 3 February 1903. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Peoples Bank's data.
The Peoples Bank's data
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The Peoples 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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