The Paducah Bank And Trust Company Mortgage Rates, Fees & Info

Paducah, KY

LEI: 549300QCJE0X5P8H4Z85

Tax ID: 61-0418959

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Mortgage Data

Review & Overview

The Paducah Bank And Trust Company is a smaller bank specializing in Home Purchase loans. The Paducah Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Paducah, Louisville, Nashville, Mayfield, and Crestview among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

The Paducah Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.90% 7/11/24
30 Year Conventional Refi 6.83% 7/11/24
30 Year Cash-out Refi 6.86% 7/11/24
30 Year VA Purchase 6.27% 7/11/24
15 Year Conventional Purchase 6.44% 7/11/24
15 Year Conventional Refi 6.40% 7/11/24
15 Year Cash-out Refi 6.40% 7/11/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

The Paducah Bank And Trust Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from The Paducah Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

214

Origination Dollar Volume (All Markets)

$49,490,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Paducah, KY-IL (FHA|USDA|VA) 153 $30,655,000 $200,359 $0 0.00%
Outside of Metro Areas 21 $5,565,000 $265,000 $0 0.00%
LOUISVILLE, KY (FHA|USDA|VA) 9 $3,375,000 $375,000 $0 0.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $3,145,000 $3,145,000 $0 0.00%
Mayfield, KY (FHA|USDA|VA) 16 $2,010,000 $125,625 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,480,000 $740,000 $0 0.00%
COLUMBUS, OH (FHA|USDA|VA) 1 $815,000 $815,000 $0 0.00%
JACKSON, TN (FHA|USDA|VA) 2 $410,000 $205,000 $0 0.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
Murray, KY (FHA|USDA|VA) 2 $320,000 $160,000 $0 0.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
Sikeston, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
The Paducah Bank And Trust Company's top markets include Paducah, Louisville, Nashville, Mayfield, and Crestview among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against The Paducah Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Peoples Bank
    Similarity Rank: 270
    Peoples Bank
    Similarity Rank: 325
    Abound Federal Credit Union
    Similarity Rank: 420
    Forcht Bank
    Similarity Rank: 494
    Wilson & Muir Bank & Trust Company
    Similarity Rank: 532
    COMMONWEALTH
    Similarity Rank: 621
    Traditional Bank, Inc.
    Similarity Rank: 644
    PARK COMMUNITY CREDIT UNION, INC.
    Similarity Rank: 680

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 214 $49,490,000 $231,262 $0 0.00%

    For 2023, The Paducah Bank And Trust Company's most frequently originated type of loan was Conventional, with 214 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 157 $43,235,000 $275,382 $0 0.00%
    Refi 34 $4,470,000 $131,471 $0 0.00%
    Other 14 $1,050,000 $75,000 $0 0.00%
    Home Improvement 8 $630,000 $78,750 $0 0.00%
    Cash Out Refi 1 $105,000 $105,000 $0 0.00%

    For 2023, The Paducah Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 157 originations. The 2nd most popular reason was Refi, with 34 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 214 $49,490,000 $231,262 $0 0.00%

    For 2023, The Paducah Bank And Trust Company's most frequently cited loan duration was Other, with 214 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 67 $9,845,000 $146,940 $0 0.00%
    $100,000 or less 65 $3,675,000 $56,538 $0 0.00%
    $200k-400k 55 $15,685,000 $285,182 $0 0.00%
    $400k-600k 15 $7,075,000 $471,667 $0 0.00%
    $600k-1MM 9 $6,815,000 $757,222 $0 0.00%
    $1MM+ 3 $6,395,000 $2,131,667 $0 0.00%

    2023 saw The Paducah Bank And Trust Company place emphasis on $100k-200k loans with 67 originations, totaling $9,845,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 39 $5,185,000 $132,949 $0 0.00%
    $250k+ 29 $16,615,000 $572,931 $0 0.00%
    $50k or less 27 $1,955,000 $72,407 $0 0.00%
    $75k-100k 27 $3,935,000 $145,741 $0 0.00%
    $100k-150k 25 $6,075,000 $243,000 $0 0.00%
    $150k-250k 25 $7,075,000 $283,000 $0 0.00%

    The Paducah Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 39 originations. The second most popular income band? $250k+, with 29 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 214 $49,490,000 $231,262 $0 0.00%

    The Paducah Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 214 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 175 $41,835,000 $239,057 $0 0.00%
    Not applicable 31 $5,705,000 $184,032 $0 0.00%
    Asian 4 $1,370,000 $342,500 $0 0.00%
    Not provided 2 $300,000 $150,000 $0 0.00%
    American Indian 1 $235,000 $235,000 $0 0.00%
    Black 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    86.60%

    The Paducah Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    71.03%

    The Paducah Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 214 $49,490,000 $231,262

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    214 $49,490,000 $231,262