Applications / Mortgage Analytics / Lenders / Kentucky / The Sacramento Deposit Bank
Sacramento, KY · State non-member bank · FDIC · $147 million assets · 91 loans in 2025
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91
loans originated, 2025
98
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Sacramento Deposit Bank, a small Kentucky lender, grew faster in 2025 than nearly nine in ten similar banks, lifting its loans by 47% to 91.
The bank made 91 loans in 2025, against 62 in 2024. Similar lenders, state non-member banks making between half and twice as many loans, grew by 9%, and the whole market by 10%. In every year it reported from 2018 to 2024 it made between 62 and 80 loans. It filed no report for 2021, a gap in the record rather than a year without lending.
Its typical loan was $105,000, against $175,000 at similar banks, lower than nearly nine in ten. Part of the gap may come from what it finances. Manufactured homes took 8.8% of its loans against 3.0% for peers, and home improvement and other purposes took 11.0% and 19.8%; such loans tend to be small.
In Owensboro it ranked 24 of 163 lenders, and its share rose from 0.4% to 0.6%. It has lent there since 2004, the year of its first report. Its largest market by volume is non-metro Kentucky, where it ranked 121 of 537.
Its lending to lower-income borrowers sits near the middle of its peers: 26.7% of borrowers had low or moderate incomes, against 27.5%. So does its share of higher-priced loans, those with a rate well above the average for similar loans: 6.2%, against 5.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Sacramento Deposit Bank took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.7% · Refinance 28.6% · Other 19.8% · Home improvement 11.0%
Conventional 100.0% · of 91 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 | 90 | 98.9% |
| Indiana | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Owensboro | 27 |
| Bowling Green | 1 |
| Evansville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930077RRQE77TVA474 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 180144 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38762 | 2004–2017 |
Established 1 January 1895. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Sacramento Deposit Bank's data.
The Sacramento Deposit Bank's data
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The Sacramento Deposit 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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