Applications / Mortgage Analytics / Lenders / Kentucky / United Southern Bank
Hopkinsville, KY · State member bank · FRS · $352 million assets · 109 loans in 2025
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109
loans originated, 2025
124
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Southern Bank, a Hopkinsville bank, is an established lender in the Clarksville market and grew faster than similar banks in 2025, though well short of its 2022 peak.
It made 109 loans, up 14%, while similar lenders, state member banks making between half and twice as many loans, grew 8%. That is more than the 84 of five years before, but well below the 180 it made in 2022. Purchases made up 54.1% of its loans and refinances 30.3%.
It has lent in Clarksville since 1996 and ranked 34 of 397 there in 2025, with 0.6% of the market, down from 0.7%. Mortgage Research Center led that market. In a market of this size, a few loans either way could account for the dip.
Some 22.0% of its loans were in low- and moderate-income neighborhoods, against 16.5% at similar lenders. Another measure points the same way: 14.7% went to majority-minority neighborhoods, against 5.5%, more than at about two-thirds of its peers. Both shares have risen since five years before.
Its typical loan was $135,000, against $175,000 at similar lenders, smaller than at about four in five of them. All of its loans were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Southern Bank took 124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.1% · Refinance 30.3% · Home improvement 11.0% · Other 4.6%
Conventional 100.0% · of 109 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 | 102 | 93.6% |
| Tennessee | 5 | 4.6% |
| Florida | 1 | 0.9% |
| Mississippi | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Clarksville | 78 |
| Bowling Green | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZSNURWJMU0YY46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 110945 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39309 | 1996–2017 |
Established 22 June 1922. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: United Southern Bank's data.
United Southern Bank's data
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United Southern 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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