Traditional Bank, Inc.
Traditional Bank, Inc. received 914 applications in 2025 and made 759 mortgages, in 52 counties across 8 states. The median rate its borrowers got was 7.250% on a median loan of $175,000. Of 855 decisions, 91 were denials — 10.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300D88XVKM6DJOC77 |
|---|---|
| Applications received | 914 |
| Mortgages made | 759 |
| Denied | 91 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 59 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.261 points |
| FDIC-insured bank | Yes: Traditional Bank, Inc., 19 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 368 | 6.750% | $225,000 | 7.5% |
| Refinancing | 216 | 7.500% | $145,000 | 10.0% |
| Other purposes | 175 | 7.500% | $75,000 | 17.1% |
Where Traditional Bank, Inc. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fayette County, KY | 141 | 7.500% | 5.3% |
| Montgomery County, KY | 109 | 7.500% | 11.2% |
| Clark County, KY | 85 | 7.125% | 8.6% |
| Jefferson County, KY | 65 | 6.500% | 8.3% |
| Shelby County, KY | 63 | 6.875% | 12.5% |
| Bourbon County, KY | 56 | 7.500% | 20.0% |
| Franklin County, KY | 51 | 7.250% | 15.0% |
| Menifee County, KY | 35 | 7.500% | 14.6% |
| Jessamine County, KY | 18 | 7.438% | 9.5% |
| Scott County, KY | 14 | 7.375% | 0.0% |
| Madison County, KY | 12 | 6.438% | 7.7% |
| Woodford County, KY | 12 | 7.438% | 14.3% |
| Powell County, KY | 10 | 7.000% | 16.7% |
| Anderson County, KY | 9 | Under 10 loans | 0.0% |
| Nicholas County, KY | 8 | Under 10 loans | 11.1% |
| Bath County, KY | 7 | Under 10 loans | 30.0% |
| Oldham County, KY | 7 | Under 10 loans | 0.0% |
| Spencer County, KY | 7 | Under 10 loans | 12.5% |
| Harrison County, KY | 6 | Under 10 loans | 14.3% |
| Henry County, KY | 4 | Under 10 loans | 20.0% |
| Bullitt County, KY | 3 | Under 10 loans | 25.0% |
| Mercer County, KY | 3 | Under 10 loans | 0.0% |
| Nelson County, KY | 3 | Under 10 loans | 0.0% |
| Pulaski County, KY | 3 | Under 10 loans | 0.0% |
| Clark County, IN | 2 | Under 10 loans | 0.0% |
| Boyle County, KY | 2 | Under 10 loans | 33.3% |
| Garrard County, KY | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Floyd County, IN | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Allen County, KY | 1 | Under 10 loans | 0.0% |
| Fleming County, KY | 1 | Under 10 loans | 0.0% |
| Grayson County, KY | 1 | Under 10 loans | 0.0% |
| Greenup County, KY | 1 | Under 10 loans | 0.0% |
| Johnson County, KY | 1 | Under 10 loans | 0.0% |
| Kenton County, KY | 1 | Under 10 loans | 0.0% |
| Larue County, KY | 1 | Under 10 loans | 0.0% |
| Lee County, KY | 1 | Under 10 loans | 50.0% |
| Meade County, KY | 1 | Under 10 loans | 0.0% |
| Muhlenberg County, KY | 1 | Under 10 loans | 0.0% |
| Owsley County, KY | 1 | Under 10 loans | 0.0% |
| Perry County, KY | 1 | Under 10 loans | 0.0% |
| Rowan County, KY | 1 | Under 10 loans | 0.0% |
| Wayne County, KY | 1 | Under 10 loans | 0.0% |
| Rockingham County, NC | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Campbell County, TN | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.