Applications / Mortgage Analytics / Lenders / Kentucky / First Equity Mortgage
Fort Mitchell, KY · Independent non-bank lender · CFPB · 1,278 loans in 2025
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1,278
loans originated, 2025
2,320
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Equity Mortgage, an independent mortgage company in Fort Mitchell, Kentucky, lends almost only to home buyers, and its loans are bigger and more often conventional than those of similar lenders.
Purchase loans made up 99.3% of its 1,278 loans in 2025. Most were conventional, without a government guarantee: 89.0%, against 66.8% at similar lenders, meaning independent lenders making between half and twice as many loans. Loans insured by the Federal Housing Administration (FHA) were just 3.1% of its business, against 22.2% at the typical peer.
Its typical loan was $475,000, larger than at about nine in ten similar lenders, where the typical loan was $315,000. Its typical rate, 6.38%, was lower than at about four in five of them. Only 0.6% of its loans were higher-priced, with a rate well above the average for similar loans, against 2.2% at peers.
Borrowers with low or moderate incomes (LMI) took 7.4% of its loans, against 28.3% at similar lenders. Only 5.0% went to LMI neighborhoods, among the lowest of its peers. Large loans and almost no FHA lending suggest a clientele of better-off buyers, which may account for much of the gap.
Its loans fell 6% in 2025, while similar lenders' rose 3% and the whole market grew 10%. In Cincinnati, its largest market and one it has served since 1991, its share slipped from 1.3% to 1.0%, leaving it 21st of 621 lenders. A lender that makes almost nothing but purchase loans depends on home sales, so it may have missed growth that came from other kinds of 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Equity Mortgage took 2,320 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.3% · Refinance 0.5% · Home improvement 0.2%
Conventional 89.0% · VA 7.8% · FHA 3.1% · USDA (RHS or FSA) 0.2% · of 1,278 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 |
|---|---|---|
| Texas | 304 | 23.8% |
| Ohio | 288 | 22.5% |
| Kentucky | 279 | 21.8% |
| Tennessee | 107 | 8.4% |
| Indiana | 101 | 7.9% |
| North Carolina | 87 | 6.8% |
| Virginia | 65 | 5.1% |
| Florida | 47 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 404 |
| Cleveland | 150 |
| Dallas-Plano-Irving | 146 |
| Nashville-Davidson--Murfreesboro--Franklin | 106 |
| Indianapolis-Carmel-Greenwood | 100 |
| Arlington-Alexandria-Reston | 65 |
| Houston-Pasadena-The Woodlands | 60 |
| Austin-Round Rock-San Marcos | 58 |
| Raleigh-Cary | 48 |
| Jacksonville | 46 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X8AUU3UC1ULZ79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3837300 | 2010–2016 |
| Respondent ID (the HMDA filer code before 2018) | 7311060110 | |
| Respondent ID (the HMDA filer code before 2018) | 73837309996 | 1991–2011 |
Established date not on record. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: First Equity Mortgage's data.
First Equity Mortgage's data
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First Equity Mortgage 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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