Applications / Mortgage Analytics / Lenders / Kentucky / West Point Bank
Radcliff, KY · State non-member bank · FDIC · $553 million assets · 264 loans in 2025
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264
loans originated, 2025
313
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Point Bank, of Radcliff, Kentucky, is a steady lender that ranks 7 of 193 in Elizabethtown and makes far more manufactured-home loans than similar banks.
Manufactured homes accounted for 13.3% of its loans in 2025, against 2.5% at similar lenders (state non-member banks making between half and twice as many loans), more than at over four in five of them. Its typical loan, $145,000, was smaller than peers' $175,000. Every loan was conventional; it made none backed by the government.
It made 264 loans, 2% fewer than in 2024, while similar banks grew 8% and the whole market 10%. Its yearly total has stayed between 264 and 349 since 2018. Purchases made up 63.6% of its lending, refinances 21.2% and home improvement 11.0%.
Elizabethtown, where it has lent since 2004, is its largest market, and it still ranks 7 of 193 there. But its share fell from 5.5% to 4.1%. Faster growth at the market's two largest lenders, United Wholesale Mortgage and Abound Federal Credit Union, could account for some of the difference; so could a choice to keep its own lending steady, which dipped across all its markets from $50.4 million to $48.2 million.
Poorer neighborhoods (low- and moderate-income tracts) took 21.1% of its loans, against 17.2% at similar banks, more than at nearly two-thirds of them. Its share of loans to low- and moderate-income borrowers, 27.4%, was close to peers' 28.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. West Point Bank took 313 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.6% · Refinance 21.2% · Home improvement 11.0% · Other 4.2%
Conventional 100.0% · of 264 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 | 262 | 99.2% |
| Alabama | 1 | 0.4% |
| Louisiana | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elizabethtown | 198 |
| Louisville/Jefferson County | 28 |
| Baton Rouge | 1 |
| Clarksville | 1 |
| Daphne-Fairhope-Foley | 1 |
| Owensboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PD2JKG2Z95GK78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 79042 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312166 | 2004–2017 |
Established 1 July 1914. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: West Point Bank's data.
West Point Bank's data
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West Point Bank 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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