Applications / Mortgage Analytics / Lenders / Kentucky / First State Bank of the Southeast
Middlesboro, KY · State non-member bank · FDIC · $412 million assets · 22 loans in 2025
First State Bank of the Southeast's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
22
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank of the Southeast, a bank in Middlesboro, Kentucky, made 22 home loans in 2025, a fraction of the 168 it made in 2018, and the record gives no reason for the fall.
The bank made between 120 and 168 loans a year from 2018 to 2022. It made 88 in 2023, 79 in 2024 and 22 in 2025, a fall of 72% in the last year. Similar lenders, state non-member banks making between half and twice as many loans, fell 10%. Nothing in the record explains the drop. The bank may simply have made fewer home loans, or it may have reported only part of its lending; a fall this sharp is worth checking before reading much into it.
All its loans were conventional. Purchases made up 54.5% of its lending and refinances 40.9%. Its typical loan, $155,000, was unchanged from the year before and near the middle of similar lenders.
With 22 loans, its shares of lending to poorer neighborhoods and of manufactured homes rest on a handful of deals. They say little about its customers this year.
It lends in ten counties in Kentucky and Tennessee. Its largest market is non-metro Kentucky, where it has lent since 2000 and ranked 192 of 537 lenders. Rocket Mortgage led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 State Bank of the Southeast took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.5% · Refinance 40.9% · Home improvement 4.5%
Conventional 100.0% · of 22 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 | 15 | 68.2% |
| Tennessee | 7 | 31.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 2 |
| Kingsport-Bristol | 1 |
| Morristown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KPOZQ8VODWDS72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 961811 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 32710 | 2004–2017 |
Established 4 January 1904. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First State Bank of the Southeast's data.
First State Bank of the Southeast's data
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First State Bank of the Southeast 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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