Applications / Mortgage Analytics / Lenders / Kentucky / Community Trust Bank
Pikeville, KY · State member bank · FRS · $6.6 billion assets · 2,436 loans in 2025
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2,436
loans originated, 2025
3,106
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Trust Bank is a Kentucky bank that ranks 2 of 537 in non-metro Kentucky and lends on manufactured homes far more than similar banks, with originations up 11% in 2025.
Similar lenders are state member banks making between half and twice as many loans. Manufactured homes made up 16.5% of its loans against 0.6%, the highest among them. Its typical loan was $135,000 against $205,000, lower than about three in four, and all its loans were conventional, while FHA loans (insured by the Federal Housing Administration) were 2.6% at similar banks.
Only Rocket Mortgage lends more in non-metro Kentucky. It ranks 10 of 389 in Lexington-Fayette, 15 of 237 in Huntington-Ashland, where its share rose to 2.1% from 1.9%, and 8 of 268 in Morristown, where it rose to 2.2% from 0.4%.
Loans in LMI (low- and moderate-income) areas were 25.7% against 15.3%, higher than almost all similar banks. Loans in majority-minority areas were 0.7% against 11.4%, the lowest; rural and small-metro markets with few such areas could explain that.
Originations rose 11% to 2,436, against 2% for similar banks and 10% for the whole market. They had peaked at 4,225 in 2020 and fallen each year to 2,193 in 2024.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Trust Bank took 3,106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.5% · Refinance 20.6% · Home improvement 18.9% · Other 12.0%
Conventional 100.0% · of 2,436 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 2,051 | 84.2% |
| Tennessee | 196 | 8.0% |
| West Virginia | 123 | 5.0% |
| Ohio | 33 | 1.4% |
| Florida | 11 | 0.5% |
| Virginia | 11 | 0.5% |
| Indiana | 7 | 0.3% |
| North Carolina | 2 | 0.1% |
| Maryland | 1 | 0.0% |
| South Carolina | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 258 |
| Huntington-Ashland | 148 |
| Knoxville | 143 |
| Cincinnati | 51 |
| Louisville/Jefferson County | 42 |
| Elizabethtown | 25 |
| Morristown | 13 |
| Charleston | 7 |
| Bowling Green | 5 |
| Beckley | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MQ4O1DX3N88207 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 509811 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2509811 | 2002–2017 |
Established 17 November 1903. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Community Trust Bank's data.
Community Trust Bank's data
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Community Trust Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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