What loan types does Traditional Bank offer?

Traditional Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Traditional Bank offer mortgages?

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

How competitive are Traditional Bank's mortgage rates?

Traditional Bank has an overall pricing score of 47.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Traditional Bank?

Traditional Bank is a Bank headquartered in Mount Sterling, KY.

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Traditional Bank

Bank•Mount Sterling, KYHQ•Direct•Reviews near you on Google

Traditional Bank has 215 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Regional · 2 mkts

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Traditional Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+15.8 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	169	78.6%	+0.140%Above	$867Fees
FHA Loans	Sound	Sound	—	Strong	31	14.4%	+0.570%Above	$1,873Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume169

Mix78.6%

Spread

+0.140%Above

Fees

$867Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume31

Mix14.4%

Spread

+0.570%Above

Fees

$1,873Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	180	83.7%	+0.165%Above	$1,030Fees
Refinance	Sound	Sound	Acceptable	Sound	35	16.3%	+0.126%Above	$796Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume180

Mix83.7%

Spread

+0.165%Above

Fees

$1,030Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume35

Mix16.3%

Spread

+0.126%Above

Fees

$796Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

215

Applications

281

Volume

$57 million

Pricing & Closing

Avg Rate Spread

+0.158%

vs. market APOR

Avg Net Fees

$988

Origination − Credits

Pullthrough Rate

76.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$269,140

Avg Borrower Income

$150,144

Avg Property Value

$385,558

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest1

South4

ARFLKYTN

Top Metro Areas by Place Specialization Score

Lexington, KYMetro

Volume 84Mix 39.07% of portfolio

81/100

Exceptional

Louisville/Jefferson County, KY, KY-INMetro

Volume 68Mix 31.63% of portfolio

71/100

Strong

Top States by Place Specialization Score

KentuckyState

Volume 209Mix 97.21% of portfolio

81/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.