# Traditional Bank, Inc.

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


Traditional Bank, Inc. is a bank, headquartered in Mount Sterling, KY, serving borrowers across 5 states, with 215 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300D88XVKM6DJOC77
- **Headquarters:** Mount Sterling, KY
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AR, FL, IN, KY, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.158%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $988
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 215
- **Dollar Volume:** $58 million
- **Applications Received:** 281
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $269,140
- **Average Borrower Income:** $150,144
- **Average Property Value:** $385,558

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 169 | +0.140% | $867 | Sound ☺️ |
| FHA | 57/100 | 31 | +0.570% | $1,873 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 135 loans, Score: 50/100 (Sound)
- Refinance: 34 loans, Score: 49/100 (Sound)

**FHA:**
- Purchase: 31 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 180 | $49M | +0.165% | Sound ☺️ |
| Refinance | 47/100 | 35 | $9M | +0.126% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 209 | 0.45% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lexington | KY | 84 | 81/100 |
| Louisville/Jefferson County, KY | KY-IN | 68 | 71/100 |
| Non |  | 60 | 50/100 |

## Where This Lender Ranks

Traditional Bank, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Lexington Banks
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks)
- 🏆 **#12** in Lexington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#15** in Lexington
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders)
- 🏆 **#15** in Louisville/Jefferson County, KY Banks
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks)
- 🏆 **#17** in Kentucky Banks
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks)
- 🏆 **#17** in Louisville/Jefferson County, KY for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#20** in Kentucky for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does Traditional Bank, Inc. offer?

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

### Where does Traditional Bank, Inc. offer mortgages?

Traditional Bank, Inc. offers mortgages in 5 states: AR, FL, IN, KY, TN.

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

Traditional Bank, Inc. has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.158% above market average.

### What type of lender is Traditional Bank, Inc.?

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

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

Traditional Bank, Inc. has a pull-through score of 61/100 (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/traditional-bank

### How to Cite

> "Traditional Bank, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/traditional-bank

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