# Community Trust Bank, Inc.

> **Canonical URL:** https://saferate.com/lenders/community-trust-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Community Trust Bank, Inc. is a bank, headquartered in Pikeville, KY, serving borrowers across 9 states, with 692 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900MQ4O1DX3N88207
- **Headquarters:** Pikeville, KY
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** DC, FL, IN, KY, NC, OH, TN, VA, WV
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.159%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $863
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 692
- **Dollar Volume:** $186 million
- **Applications Received:** 912
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $268,671
- **Average Borrower Income:** $160,527
- **Average Property Value:** $380,188

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 679 | +0.152% | $867 | Strong 😀 |
| Jumbo | 42/100 | 13 | +0.562% | $641 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 540 loans, Score: 65/100 (Strong)
- Refinance: 139 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 548 | $149M | +0.171% | Strong 😀 |
| Refinance | 65/100 | 144 | $36M | +0.129% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 589 | 1.27% | 90/100 |
| TN | 67 | 0.07% | 59/100 |
| WV | 25 | 0.16% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 474 | 75/100 |
| Lexington | KY | 87 | 77/100 |
| Knoxville, TN | TN | 50 | 61/100 |
| Huntington |  | 35 | 63/100 |
| Louisville/Jefferson County, KY | KY-IN | 20 | 50/100 |

## Where This Lender Ranks

Community Trust Bank, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Kentucky for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#13** in Huntington Banks
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks)
- 🏆 **#13** in Huntington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Kentucky for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Knoxville, TN Banks
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks)
- 🏆 **#20** in Knoxville, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Community Trust Bank, Inc. offer?

Community Trust Bank, Inc. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Community Trust Bank, Inc. offer mortgages?

Community Trust Bank, Inc. offers mortgages in 9 states: DC, FL, IN, KY, NC, OH, TN, VA, WV.

### How competitive are Community Trust Bank, Inc.'s mortgage rates?

Community Trust Bank, Inc. has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.159% above market average.

### What type of lender is Community Trust Bank, Inc.?

Community Trust Bank, Inc. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Pikeville, KY.

### What is Community Trust Bank, Inc.'s loan approval success rate?

Community Trust Bank, Inc. has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/community-trust-bank

### How to Cite

> "Community Trust Bank, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-trust-bank

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