# The Cecilian Bank

> **Canonical URL:** https://saferate.com/lenders/the-cecilian-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


The Cecilian Bank is a bank, headquartered in Cecilia, KY, serving borrowers across 3 states, with 192 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300S2RLEOF6WG7P87
- **Headquarters:** Cecilia, KY
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IN, KY, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.236%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,470
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 192
- **Dollar Volume:** $42 million
- **Applications Received:** 271
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $219,844
- **Average Borrower Income:** $127,307
- **Average Property Value:** $338,646

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 190 | -0.236% | $1,470 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 136 loans, Score: 59/100 (Sound)
- Refinance: 54 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 138 | $33M | -0.337% | Sound ☺️ |
| Refinance | 60/100 | 54 | $9M | -0.037% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 188 | 0.40% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 111 | 61/100 |
| Elizabethtown, KY | KY | 46 | 80/100 |
| Louisville/Jefferson County, KY | KY-IN | 27 | 58/100 |

## Where This Lender Ranks

The Cecilian Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Elizabethtown, KY Banks
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders/banks)
- 🏆 **#4** in Elizabethtown, KY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Elizabethtown, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Elizabethtown, KY
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does The Cecilian Bank offer?

The Cecilian Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Cecilian Bank offer mortgages?

The Cecilian Bank offers mortgages in 3 states: IN, KY, TN.

### How competitive are The Cecilian Bank's mortgage rates?

The Cecilian Bank has a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.236% below market average.

### What type of lender is The Cecilian Bank?

The Cecilian Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Cecilia, KY.

### What is The Cecilian Bank's loan approval success rate?

The Cecilian Bank has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/the-cecilian-bank

### How to Cite

> "The Cecilian Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-cecilian-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/the-cecilian-bank)**