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Community Trust Bank

Bank•Pikeville, KYHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Community Trust Bank — 692 loans across 912 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Community Trust Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+15.9 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
679 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
Jumbo
13 loans · 0.56% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
548 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
Refinance
144 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume679
Mix98.1%
Spread
+0.152%Above
Fees
$867Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume13
Mix1.9%
Spread
+0.562%Above
Fees
$641Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume548
Mix79.2%
Spread
+0.171%Above
Fees
$896Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume144
Mix20.8%
Spread
+0.129%Above
Fees
$781Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
692
Applications
912
Volume
$185 million
Pricing & Closing
Avg Rate Spread
+0.159%
vs. market APOR
Avg Net Fees
$863
Origination − Credits
Pullthrough Rate
75.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$268,671
Avg Borrower Income
$160,527
Avg Property Value
$380,188

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

9Full-year 2024 · HMDA
9 states with loan originations
Loans originated
< 2020–5050+None
Midwest2
INOH
South7
DCFLKYNCTNVAWV

Top Metro Areas by Place Specialization Score

1© J654567 · CC BY-SA 3.0
Lexington, KYMetro
Volume 87Mix 12.57% of portfolio
77/100
Strong
2© DelanoPatterson · CC0
HuntingtonMetro
Volume 35Mix 5.06% of portfolio
63/100
Strong
3© Nathan C. Fortner (User:Nfutvol at en.wikipedia) · CC BY-SA 3.0
Knoxville, TNMetro
Volume 50Mix 7.23% of portfolio
61/100
Strong
4© Ken Lund · CC BY-SA 2.0
Louisville/Jefferson County, KY, KY-INMetro
Volume 20Mix 2.89% of portfolio
50/100
Sound

Top States by Place Specialization Score

Kentucky
Kentucky
1
KentuckyState
Volume 589Mix 85.12% of portfolio
90/100
Exceptional
Tennessee
Tennessee
2
TennesseeState
Volume 67Mix 9.68% of portfolio
59/100
Sound
West Virginia
West Virginia
3
West VirginiaState
Volume 25Mix 3.61% of portfolio
54/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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.