Lenders › Traditional Bank Inc › Kentucky
Traditional Bank Inc in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
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.
Traditional Bank Inc's 2024 HMDA record for Kentucky covers 894 applications, 738 of them originated, worth $167m.
Its denial rate in the state was 8.3%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 8.3%.
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.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Traditional Bank Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.3% | 25.0% | 8.3% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.3% | 16.0% | 2.3% | 15.6% |
| Average originated loan | $226k | $219k | $229k | $329k |
| Home purchase share | 45.7% | 55.3% | 45.5% | 57.0% |
| FHA-insured share | 4.6% | 14.6% | 4.7% | 13.4% |
| VA-guaranteed share | 1.1% | 8.0% | 1.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 46% (337)Home improvement 14% (102)Refinancing 24% (178)Cash-out refinancing 0% (1)Other purpose 16% (120)
By type
Conventional 94% (692)FHA 5% (34)VA 1% (8)USDA 1% (4)
Denial reasons as coded
Share of 68 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fayette County | 190 | 160 | $55m | 6.3% |
| Montgomery County | 137 | 109 | $12m | 11.1% |
| Clark County | 92 | 83 | $16m | 5.6% |
| Shelby County | 82 | 67 | $15m | 4.1% |
| Bourbon County | 70 | 57 | $11m | 12.3% |
| Jefferson County | 65 | 52 | $11m | 10.3% |
| Franklin County | 49 | 42 | $7.2m | 6.7% |
| Jessamine County | 26 | 23 | $6.8m | — |
| Menifee County | 30 | 18 | $1.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Traditional Bank Inc originate in Kentucky in 2024?
738 loans totalling $167m, from 894 applications reported for properties in Kentucky.
What is Traditional Bank Inc's denial rate in Kentucky?
8.3% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 8.3% 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 Traditional Bank Inc lend in most?
By originations: Fayette County (160), Montgomery County (109), Clark County (83), Shelby County (67), Bourbon County (57).
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.