Lender in Kentucky · HMDA 2025
Traditional Bank, Inc. mortgages in Kentucky
Traditional Bank, Inc.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Traditional Bank, Inc. originated 280 owner-occupied single-family loans in Kentucky from 315 completed applications.
Its median conventional purchase loan costs were $3,330 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.50% (Kentucky: 6.625%).
Loans in KY
280
of 315 applications
Denial rate
8.3%
Purchase · KY 8.2%
Rate spread
+0.17 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 | 240 | 219 | 8.3% | 6.500% | +0.17 pts | $3,330 | $235,000 |
| Refinance | 75 | 61 | 18.7% | 6.490% | +0.28 pts | $2,890 | $205,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Traditional Bank, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Menifee County | 1 | 10 | 16.7% |
| Clark County | 2 | 38 | 7.1% |
| Montgomery County | 3 | 29 | 8.4% |
| Shelby County | 4 | 33 | 4.3% |
| Nicholas County | 5 | 3 | 5.1% |
| Bourbon County | 7 | 9 | 4.0% |
| Franklin County | 10 | 15 | 2.1% |
| Powell County | 10 | 3 | 2.3% |
| Bath County | 19 | 1 | 1.1% |
| Spencer County | 20 | 4 | 1.1% |
| Woodford County | 20 | 4 | 1.1% |
| Fayette County | 24 | 37 | 1.0% |
| Henry County | 25 | 2 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology