Lender in Kentucky · HMDA 2025
South Central Bank, Inc. mortgages in Kentucky
South Central Bank, Inc.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
South Central Bank, Inc. originated 501 owner-occupied single-family loans in Kentucky from 621 completed applications.
Its median conventional purchase loan costs were $2,950 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.375% (Kentucky: 6.625%).
Loans in KY
501
of 621 applications
Denial rate
5.7%
Purchase · KY 8.2%
Rate spread
+0.01 pts
Conv. · KY +0.21 pts
Loan amount
$225,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 425 | 351 | 5.7% | 6.375% | +0.01 pts | $2,950 | $225,000 |
| Refinance | 133 | 108 | 9.8% | 6.625% | +0.11 pts | $2,660 | $215,000 |
| Cash-out refinance | 63 | 42 | 23.8% | 6.625% | +0.20 pts | $2,680 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where South Central Bank, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Allen County | 1 | 29 | 9.3% |
| Monroe County | 2 | 20 | 22.2% |
| Metcalfe County | 2 | 13 | 13.3% |
| Barren County | 3 | 47 | 8.2% |
| Hart County | 3 | 15 | 6.6% |
| Larue County | 4 | 14 | 6.3% |
| Hardin County | 5 | 123 | 6.3% |
| Cumberland County | 5 | 2 | 6.9% |
| Martin County | 5 | 2 | 7.4% |
| Warren County | 7 | 63 | 3.6% |
| Daviess County | 8 | 28 | 2.2% |
| Logan County | 9 | 12 | 3.0% |
| Hancock County | 9 | 3 | 3.0% |
| Lawrence County | 11 | 3 | 3.2% |
| Meade County | 12 | 10 | 2.2% |
| Johnson County | 13 | 2 | 1.3% |
| Simpson County | 14 | 6 | 1.5% |
| Floyd County | 14 | 3 | 1.9% |
| Pike County | 14 | 3 | 1.2% |
| Edmonson County | 17 | 3 | 1.6% |
| Nelson County | 19 | 10 | 1.2% |
| Ohio County | 19 | 3 | 1.5% |
| Washington County | 19 | 2 | 1.9% |
| Grayson County | 21 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology