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Community Trust Bank, Inc. in Kentucky

HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview

LEI 254900MQ4O1DX3N88207
Reporting agency Federal Reserve System
State Kentucky

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Community Trust Bank, Inc.'s 2024 HMDA record for Kentucky covers 2,505 applications, 1,896 of them originated, worth $327m.

Its denial rate in the state was 16.4%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 16.1%.

The median rate spread on its Kentucky originations was 0.3 percentage points (state median 0.4).

Applications in the state were about level with 2023.

2,505applications in KY, 202486.8% of the lender's total
1,896loans originated$327m
16.4%denial rateKY all lenders 25.0%
0.3 ppmedian rate spreadKY 0.4 pp

Compared with the state and the lender's national record

MeasureIn KentuckyKentucky, all lendersCommunity Trust Bank, Inc., all statesUnited States
Denial rate16.4%25.0%16.1%24.3%
Median rate spread, pp0.30.40.30.3
Originations with spread of 1.5 pp or more6.4%16.0%6.3%15.6%
Average originated loan$172k$219k$197k$329k
Home purchase share41.6%55.3%42.9%57.0%
FHA-insured share0.0%14.6%0.0%13.4%
VA-guaranteed share0.0%8.0%0.0%7.9%

Trend by year

ApplicationsOriginations

01,4542,9082022: 2,908 Applications2023: 2,494 Applications2024: 2,505 Applications2022: 2,170 Originations2023: 1,937 Originations2024: 1,896 Originations202220232024
Community Trust Bank, Inc. in Kentucky: applications and originations, 2022–2024

This lender in stateKentucky, all lenders

0%12.8%25.5%2022: 15.3% This lender in state2023: 15.1% This lender in state2024: 16.4% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Kentucky

By purpose

Home purchase 42% (789)Home improvement 20% (370)Refinancing 22% (410)Cash-out refinancing 0% (6)Other purpose 17% (321)

By type

Conventional 100% (1,896)

Denial reasons as coded

Credit history42.8%
Debt-to-income ratio31.5%
Other7.6%
Collateral6.8%
Credit application incomplete6.6%
Employment history2.1%
Unverifiable information2.1%
Insufficient cash (downpayment, closing costs)0.5%
Mortgage insurance denied0%

Share of 381 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).

Counties in Kentucky

CountyApplicationsOriginationsAmountDenial rate
Pike County278201$24m17.3%
Fayette County156122$60m10.9%
Whitley County142120$14m9.0%
Laurel County11085$16m15.7%
Madison County10279$17m14.9%
Taylor County8878$9.9m9.3%
Floyd County10674$9.8m25.5%
Clark County7564$9.4m12.3%
Boyd County9157$5.1m28.6%
Green County6156$4.8m6.7%
Franklin County7152$8.7m18.5%
Perry County7751$6.2m21.4%
Fleming County6350$5.9m15.3%
Pulaski County6648$8.3m18.0%
Rockcastle County5744$5.2m16.7%
Scott County5143$7.8m8.3%
Letcher County5837$3.5m30.2%
Montgomery County4836$5.9m15.9%
Marion County4333$4.1m17.1%
Woodford County3732$6.6m8.6%
Boyle County4031$4.4m10.8%
Russell County3931$4.6m18.4%
Mercer County3431$4.4m5.9%
Johnson County4628$5.1m29.3%
Knox County3927$3.8m17.6%
Knott County4226$3.4m30.8%
Bell County3326$4.9m15.6%
Adair County3126$3.6m13.3%
Greenup County3120$5.9m11.5%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Community Trust Bank, Inc. originate in Kentucky in 2024?

1,896 loans totalling $327m, from 2,505 applications reported for properties in Kentucky.

What is Community Trust Bank, Inc.'s denial rate in Kentucky?

16.4% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 16.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Kentucky counties does Community Trust Bank, Inc. lend in most?

By originations: Pike County (201), Fayette County (122), Whitley County (120), Laurel County (85), Madison County (79).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.