Community Trust Bank, Inc.: 2025 mortgage rates, costs & approvals
How Community Trust Bank, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Community Trust Bank, Inc. · LEI 254900MQ4O1DX3N88207
In 2025, Community Trust Bank, Inc. originated 883 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 6 states — 508th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $2,810, 50% lower than the national median ($5,570).
It denied 12.1% of completed home-purchase applications (all lenders: 8.5%).
How Community Trust Bank, Inc. priced home-purchase loans
| Purchase loans, 2025 | Community Trust Bank, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.11 pts | +0.13 pts |
| Total loan costs · conventional | $2,810 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $900 | $1,860 |
| Borrowers paying discount points | 4.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 17.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Community Trust Bank, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Community Trust Bank, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Kentucky | 759 | 865 | 12.5% | 6.750% | $2,720 |
| Tennessee | 64 | 71 | 5.3% | — | $3,300 |
| West Virginia | 45 | 52 | 12.2% | — | $2,950 |
| Ohio | 10 | 14 | — | — | — |
| Florida | 4 | 4 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Community Trust Bank, Inc.'s page for that state.
Counties where Community Trust Bank, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Letcher County, KY | 1 | 22 | 35.5% |
| Knott County, KY | 1 | 9 | 31.0% |
| Pike County, KY | 1 | 77 | 29.8% |
| Magoffin County, KY | 1 | 6 | 22.2% |
| Adair County, KY | 1 | 17 | 21.3% |
| Mingo County, WV | 2 | 11 | 21.1% |
| Perry County, KY | 1 | 21 | 20.8% |
| Green County, KY | 1 | 18 | 18.9% |
| Leslie County, KY | 2 | 4 | 16.0% |
| Whitley County, KY | 1 | 37 | 15.1% |
| Taylor County, KY | 2 | 27 | 14.4% |
| Floyd County, KY | 2 | 21 | 13.2% |
| Wolfe County, KY | 2 | 3 | 13.0% |
| Elliott County, KY | 2 | 2 | 12.5% |
| Fleming County, KY | 2 | 15 | 11.8% |
Check Community Trust Bank, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900MQ4O1DX3N88207.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Community Trust Bank, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology