Homebuyers in Clark County County who chose Community Trust Bank, Inc. paid $1,702 less in closing costs than the county median.
County Median Costs
$4,576
−8.6% vs Kentucky ($5,007)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,550
Purchase Originations
381
Denial Rate
9.1%
vs Kentucky avg (15.1%)
vs Kentucky Median
8.6% below
$-431
vs National Median
31.5% below
$-2,104
7 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,874 | 5.938% | $900 | 16 | −$867 | |
| 2 | $3,074 | 6.188% | $569 | 10 | −$667 | |
| 3 | $3,280 | 6.500% | $974 | 31 | −$461 | |
| 4 | $3,408 | 6.500% | $995 | 17 | −$333 | |
| 5 | $4,302 | 6.625% | $1,495 | 11 | +$561 | |
| 6 | $4,487 | 6.688% | $1,755 | 10 | +$746 | |
| 7 | $5,247 | 6.500% | $3,268 | 12 | +$1,506 |
Includes lenders with 10+ purchase originations in Clark County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Kentucky → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.