Applications / Mortgage Analytics / Lenders / Kentucky / The First National Bank of Grayson
Grayson, KY · National bank · OCC · $363 million assets · 126 loans in 2025
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126
loans originated, 2025
189
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Grayson is a manufactured-home lender: such homes made up 29.4% of its 2025 loans, a higher share than at almost every similar lender.
Similar lenders, national banks making between half and twice as many loans, put 1.6% of their loans into manufactured homes. That focus may explain why its loans are small. Its typical loan is $100,000, against $185,000 at peers, smaller than at more than nine in ten of them.
The bank made 31.4% of its loans in low- and moderate-income (LMI) neighborhoods, about double the 15.7% at similar lenders. That share is higher than at nearly nine in ten of them.
Loans rose 4% to 126, close to the 5% at similar lenders and below the whole market's 10%. That leaves it well below the 301 loans of 2020. It filed no report for 2018, a gap in the record rather than a year without lending.
Its largest market is non-metro Kentucky, where it has lent since 1993 and ranks 111 of 537 lenders. It has lent in Huntington-Ashland since 1990 and ranks 36 of 237 there. City National Bank of West Virginia leads the market, followed by Rocket Mortgage.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First National Bank of Grayson took 189 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.2% · Refinance 31.0% · Other 11.9% · Home improvement 7.9%
Conventional 100.0% · of 126 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 | 120 | 95.2% |
| Florida | 2 | 1.6% |
| Ohio | 2 | 1.6% |
| South Carolina | 1 | 0.8% |
| Tennessee | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 65 |
| Lexington-Fayette | 4 |
| Cincinnati | 2 |
| Cape Coral-Fort Myers | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005B6S44QVVMBU11 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 610913 | 2019–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112982 | 1990–2003 |
Established 1 January 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Grayson's data.
The First National Bank of Grayson's data
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The First National Bank of Grayson 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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