Lender in Kentucky · HMDA 2025
Community Trust Bank, Inc. mortgages in Kentucky
Community Trust Bank, Inc.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Community Trust Bank, Inc. originated 759 owner-occupied single-family loans in Kentucky from 865 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $2,720 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
759
of 865 applications
Denial rate
12.5%
Purchase · KY 8.2%
Rate spread
+0.11 pts
Conv. · KY +0.21 pts
Loan amount
$235,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 646 | 560 | 12.5% | 6.750% | +0.11 pts | $2,720 | $235,000 |
| Refinance | 205 | 187 | 7.8% | — | +0.11 pts | $2,370 | $205,000 |
| Cash-out refinance | 14 | 12 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Community Trust Bank, Inc. ranks in the top 25
Showing the 30 counties where it ranks highest, of 69.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pike County | 1 | 77 | 29.8% |
| Whitley County | 1 | 37 | 15.1% |
| Letcher County | 1 | 22 | 35.5% |
| Perry County | 1 | 21 | 20.8% |
| Green County | 1 | 18 | 18.9% |
| Adair County | 1 | 17 | 21.3% |
| Knott County | 1 | 9 | 31.0% |
| Clay County | 1 | 7 | 11.1% |
| Magoffin County | 1 | 6 | 22.2% |
| Taylor County | 2 | 27 | 14.4% |
| Floyd County | 2 | 21 | 13.2% |
| Johnson County | 2 | 16 | 10.1% |
| Fleming County | 2 | 15 | 11.8% |
| Rockcastle County | 2 | 7 | 7.0% |
| Jackson County | 2 | 5 | 7.3% |
| Leslie County | 2 | 4 | 16.0% |
| Wolfe County | 2 | 3 | 13.0% |
| Elliott County | 2 | 2 | 12.5% |
| Robertson County | 2 | 2 | 8.7% |
| Owsley County | 2 | 1 | 11.1% |
| Knox County | 3 | 13 | 8.5% |
| Russell County | 3 | 10 | 7.8% |
| Lawrence County | 3 | 7 | 7.4% |
| Washington County | 3 | 5 | 4.7% |
| Breathitt County | 3 | 2 | 9.5% |
| Laurel County | 4 | 35 | 6.7% |
| Boyle County | 4 | 19 | 4.8% |
| Mercer County | 4 | 16 | 4.8% |
| Marion County | 4 | 9 | 6.1% |
| Lewis County | 4 | 7 | 6.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology