Purchase Originations
877
Ranked #418 nationally
Median Total Costs
$2,694
−59.7% vs national ($6,680)
↑ $249 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$900
Median Lender Credits
$77
Cost Rank (500+ vol.)
#32
among lenders with 500+ originations
Denial Rate
13.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 877 | 6.000% | $2,694 | $900 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,171 | 6.312% | — | 16 | −$523 | |
| 2 | $2,210 | 6.000% | — | 22 | −$484 | |
| 3 | $2,434 | 6.000% | — | 17 | −$260 | |
| 4 | $2,546 | 6.125% | — | 16 | −$148 | |
| 5 | $2,558 | 5.875% | — | 16 | −$136 | |
| 6 | $2,559 | 6.000% | — | 77 | −$135 | |
| 7 | $2,560 | 5.812% | — | 18 | −$134 | |
| 8 | $2,612 | 6.000% | — | 19 | −$82 | |
| 9 | $2,631 | 6.000% | — | 15 | −$63 | |
| 10 | $2,634 | 6.062% | — | 14 | −$60 | |
| 11 | $2,680 | 6.000% | — | 39 | −$14 | |
| 12 | $2,746 | 6.000% | — | 21 | +$52 | |
| 13 | $2,762 | 5.938% | — | 22 | +$68 | |
| 14 | $2,783 | 6.000% | — | 45 | +$89 | |
| 15 | $2,856 | 5.875% | — | 29 | +$162 | |
| 16 | $2,860 | 5.875% | — | 19 | +$166 | |
| 17 | $2,874 | 5.938% | — | 16 | +$180 | |
| 18 | $2,916 | 5.875% | — | 25 | +$222 | |
| 19 | $2,946 | 6.000% | — | 18 | +$252 | |
| 20 | $2,969 | 6.000% | — | 14 | +$275 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Community Trust Bank, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $2,694 | $7,127 | −$4,433 (−62.2%) |
Other high-volume lenders side-by-side.
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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.