# Edmonton State Bank

> **Canonical URL:** https://saferate.com/lenders/edmonton-state-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Edmonton State Bank is a bank, headquartered in Glasgow, KY, serving borrowers across 2 states, with 238 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300AJ6XFK1ACXWQ06
- **Headquarters:** Glasgow, KY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KY, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.715%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,985
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 238
- **Dollar Volume:** $52 million
- **Applications Received:** 342
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $217,773
- **Average Borrower Income:** $101,059
- **Average Property Value:** $362,227

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 221 | +0.733% | $1,988 | Strong 😀 |
| USDA | 73/100 | 16 | +0.315% | $1,940 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 171 loans, Score: 59/100 (Sound)
- Refinance: 50 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 188 | $44M | +0.682% | Sound ☺️ |
| Refinance | 48/100 | 50 | $8M | +0.811% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 222 | 0.48% | 81/100 |
| TN | 16 | 0.02% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 167 | 66/100 |
| Bowling Green, KY | KY | 55 | 78/100 |
| Nashville | TN | 15 | 47/100 |

## Where This Lender Ranks

Edmonton State Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Bowling Green, KY for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#6** in Bowling Green, KY for USDA Loans
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/usda-loans)
- 🏆 **#9** in Bowling Green, KY Banks
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/banks)
- 🏆 **#13** in Kentucky for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#13** in Bowling Green, KY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Edmonton State Bank offer?

Edmonton State Bank offers the following mortgage loan types: Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Edmonton State Bank offer mortgages?

Edmonton State Bank offers mortgages in 2 states: KY, TN.

### How competitive are Edmonton State Bank's mortgage rates?

Edmonton State Bank has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.715% above market average.

### What type of lender is Edmonton State Bank?

Edmonton State Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Glasgow, KY.

### What is Edmonton State Bank's loan approval success rate?

Edmonton State Bank has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/edmonton-state-bank

### How to Cite

> "Edmonton State Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/edmonton-state-bank

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