Community Trust Bank, Inc. mortgage approval rate & lending review
Community Trust Bank, Inc. decided 552 mortgage applications and funded 488 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Community Trust Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Community Trust Bank, Inc. at a glance
Approval is 9.3 points above the 80.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 178 / 210 | 100% | $225K | 178 |
| Home improvement loans | 86% | 71 / 83 | 99% | $75K | 70 |
| Refinance | 94% | 92 / 98 | 97% | $155K | 89 |
| Investment property purchase | 96% | 108 / 112 | 99% | $175K | 107 |
| Investment refinance | 96% | 24 / 25 | 100% | $225K | 24 |
Community Trust Bank, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 90% | $175K | 414 | 367 |
| Tennessee | 92% | $315K | 61 | 56 |
| Florida | 88% | $295K | 26 | 22 |
| Ohio | 81% | $125K | 21 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Community Trust Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fayette County, KY | Mortgage lenders | 86% | 118 | 101 |
| Fayette County, KY | Refinance | 93% | 72 | 65 |
| Fayette County, KY | Investment property purchase | 96% | 52 | 50 |
| Fayette County, KY | Home improvement loans | 91% | 54 | 48 |
The county markets where Community Trust Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Community Trust Bank, Inc.
What is Community Trust Bank, Inc.'s mortgage approval rate?
Community Trust Bank, Inc. approved 89.3% of the 552 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.3 points above the 80.0% national rate for the same mix of loan types.
How often do borrowers take the loan Community Trust Bank, Inc. offers?
Borrowers accepted 99% of the loans Community Trust Bank, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Community Trust Bank, Inc. make?
The typical home purchase mortgage loan Community Trust Bank, Inc. made was $225K; across all loan types its typical loan ran from $75K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Community Trust Bank, Inc. lend?
Community Trust Bank, Inc. decided applications in 15 of the states Fat Boy Data covers, most of them in Kentucky, Tennessee and Florida.
Can I apply to Community Trust Bank, Inc. directly?
Yes. Community Trust Bank, Inc. is a bank or credit union with 78 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Community Trust Bank, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Community Trust Bank, Inc. treats applications, then get a rate quote from the lender.