Community Trust Bank in Kentucky vs the state
12.9%Denial rate-5.95 pts vs state
14.0%Decision denial rate-9.46 pts vs state
78.3%Origination rate+20.21 pts vs state
6.63%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.12 pts vs state
$91kMedian applicant income
2,051Loans originated
337Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,494 | 1,937 | 14.1% | 7.50% | #14 |
| 2024 | 2,505 | 1,896 | 15.2% | 7.75% | #13 |
| 2025 | 2,621 | 2,051 | 12.9% | 6.63% | #14 |
What Community Trust Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Community Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pike County | 275 | 218 | 31 | 11.3% |
| Whitley County | 148 | 122 | 16 | 10.8% |
| Fayette County | 136 | 103 | 21 | 15.4% |
| Laurel County | 129 | 102 | 11 | 8.5% |
| Floyd County | 95 | 65 | 17 | 17.9% |
| Madison County | 94 | 65 | 15 | 16.0% |
| Fleming County | 92 | 74 | 12 | 13.0% |
| Pulaski County | 92 | 76 | 9 | 9.8% |
| Taylor County | 83 | 74 | 7 | 8.4% |
| Letcher County | 72 | 47 | 18 | 25.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 2,621 applications in 2025, of which 2,051 were originated and 337 denied.
12.9% of all applications, or 14.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Community Trust Bank originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Community Trust Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology