Community Trust Bank in Virginia vs the state
27.8%Denial rate+11.84 pts vs state
31.3%Decision denial rate+11.00 pts vs state
61.1%Origination rate+1.59 pts vs state
7.25%Median rate+0.63 pts vs state
0.21Rate spread (pts)-0.02 pts vs state
$69kMedian applicant income
11Loans originated
5Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 13 | 26.3% | 6.75% | #484 |
| 2024 | 10 | 7 | 20.0% | 7.50% | #559 |
| 2025 | 18 | 11 | 27.8% | 7.25% | #501 |
What Community Trust Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Community Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buchanan County | 6 | 3 | 2 | 33.3% |
| Dickenson County | 5 | 4 | 1 | 20.0% |
| Lee County | 4 | 3 | 1 | 25.0% |
| Washington County | 1 | 0 | 0 | 0.0% |
| Wise County | 1 | 0 | 1 | 100.0% |
| Norton city | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 18 applications in 2025, of which 11 were originated and 5 denied.
27.8% of all applications, or 31.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Community Trust Bank originated in Virginia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Community Trust Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology