Applications / Mortgage Analytics / Lenders / Kentucky / Central Kentucky Agricultural Credit Association
Lexington, KY · Independent non-bank lender · CFPB · 43 loans in 2025
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43
loans originated, 2025
44
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Kentucky Agricultural Credit Association is a small rural lender many of whose loans are for home improvements and manufactured homes, and it grew 19% in 2025.
Home improvement made up 25.6% of its 43 loans and manufactured homes 16.3%. The typical similar lender, an independent non-bank making between half and twice as many loans, made no manufactured-home loans. Its typical loan was $125,000, about half peers' $255,000, which fits that kind of lending.
Its loans rose from 36 to 43, an increase of 19% against 2% at peers and 10% in the whole market. Its count has stayed between 16 and 55 a year since it first reported in 2018, so the change is small in loans.
None of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, tracts) or to majority-minority areas; peers typically had 17.9% and 50.0%. It lends in 16 Kentucky counties with only one metro, Lexington-Fayette, and its largest market is non-metro Kentucky, and its counties may hold few such neighborhoods. Its share of loans to LMI borrowers, 17.5%, matched peers'.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central Kentucky Agricultural Credit Association took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.2% · Refinance 34.9% · Home improvement 25.6% · Other 2.3%
Conventional 100.0% · of 43 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 | 43 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BS91G2Y1TKFS35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2506793 | 2023–2023 |
Established 1 December 1970. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Central Kentucky Agricultural Credit Association's data.
Central Kentucky Agricultural Credit Association's data
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Central Kentucky Agricultural Credit Association 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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