Applications / Mortgage Analytics / Lenders / Kentucky / The Paducah Bank and Trust Company
Paducah, KY · State member bank · FRS · $1.0 billion assets · 218 loans in 2025
The Paducah Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
218
loans originated, 2025
290
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Paducah Bank and Trust Company is the largest mortgage lender in its home market of Paducah, where it made 10.4% of the lending in 2025.
It ranked 1 of 164 lenders in Paducah, ahead of Community Financial Services Bank. Its share fell to 10.4% from 12.6%. Its loan count barely changed, at 218 against 216, so the lower share may reflect fewer large loans in its own book, or faster growth by rivals, rather than lost customers.
It first reported in 2020, when it made 565 loans; it filed no report for 2018 or 2019. Its lending fell to 374 loans in 2021 and has held between 214 and 218 a year since 2023. Its growth in 2025, 1%, was lower than at about seven in ten similar banks, meaning state member banks making between half and twice as many loans; theirs was 7%.
Home purchases made up 73.9% of its lending. It lends in 8 states and 14 metros, and in 2025 it entered Virginia Beach, non-metro Virginia, Syracuse and Asheville. These are footholds: in Virginia Beach, Syracuse and Asheville its share is 0.0%.
Loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) made up 16.2% of its lending, up from 4.8% five years before and now in line with the 16.1% at similar banks.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Paducah Bank and Trust Company took 290 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.9% · Refinance 21.1% · Other 2.8% · Home improvement 2.3%
Conventional 100.0% · of 218 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 | 203 | 93.1% |
| Florida | 3 | 1.4% |
| Illinois | 3 | 1.4% |
| Virginia | 3 | 1.4% |
| Alabama | 2 | 0.9% |
| Tennessee | 2 | 0.9% |
| North Carolina | 1 | 0.5% |
| New York | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Paducah | 166 |
| Louisville/Jefferson County | 5 |
| Clarksville | 3 |
| Asheville | 1 |
| Auburn-Opelika | 1 |
| Birmingham | 1 |
| Charlottesville | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Jacksonville | 1 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QCJE0X5P8H4Z85 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 285740 | 2022–2023 |
Established 24 January 1948. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: The Paducah Bank and Trust Company's data.
The Paducah Bank and Trust Company's data
$215
The Paducah Bank and Trust Company 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.
Buy The Paducah Bank and Trust Company's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]