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

Paducah, KY

LEI: 549300QCJE0X5P8H4Z85

Tax ID: 61-0418959

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

Jump to:

Mortgage Data

Review & Overview

The Paducah Bank And Trust Company is a smaller bank specializing in Refi and 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, Evansville, Mayfield, and Jacksonville among others. We have data for 32 markets. (Some data included below & more in-depth data is available with an active subscription.)

The Paducah Bank And Trust Company has an above 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.90% 3/27/24
30 Year Conventional Refi 6.83% 3/27/24
30 Year Cash-out Refi 6.86% 3/27/24
30 Year VA Purchase 6.27% 3/27/24
15 Year Conventional Purchase 6.44% 3/27/24
15 Year Conventional Refi 6.40% 3/27/24
15 Year Cash-out Refi 6.40% 3/27/24
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

565

Origination Dollar Volume (All Markets)

$154,335,000

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) 389 $83,535,000 $214,743 $0 0.00%
LOUISVILLE, KY (FHA|USDA|VA) 60 $36,390,000 $606,500 $0 0.00%
Outside of Metro Areas 55 $11,705,000 $212,818 $0 0.00%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $7,205,000 $7,205,000 $0 0.00%
Mayfield, KY (FHA|USDA|VA) 15 $2,195,000 $146,333 $0 0.00%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,660,000 $830,000 $0 0.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $1,525,000 $305,000 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,290,000 $645,000 $0 0.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $1,120,000 $560,000 $0 0.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $880,000 $220,000 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $740,000 $185,000 $0 0.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $595,000 $595,000 $0 0.00%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $460,000 $230,000 $0 0.00%
Georgetown, SC (FHA|USDA|VA) 1 $455,000 $455,000 $0 0.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $430,000 $215,000 $0 0.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
Murray, KY (FHA|USDA|VA) 4 $310,000 $77,500 $0 0.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
Oxford, MS (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
Frankfort, KY (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
Madisonville, KY (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
The Paducah Bank And Trust Company's top markets include Paducah, Louisville, Evansville, Mayfield, and Jacksonville among others.

Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • District of Columbia (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.

    COMMONWEALTH
    Similarity Rank: 625
    First Harrison Bank
    Similarity Rank: 980
    ACOPIA, LLC
    Similarity Rank: 1170
    TRANSCEND
    Similarity Rank: 1395
    Centra Credit Union
    Similarity Rank: 1739
    Abound Federal Credit Union
    Similarity Rank: 1888
    Central Bank
    Similarity Rank: 1932
    SOUTH CENTRAL BANK, INC.
    Similarity Rank: 1938
    THE MORTGAGE WAREHOUSE,LLC
    Similarity Rank: 2016

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 565 $154,335,000 $273,159 $0 0.00%

    For 2020, The Paducah Bank And Trust Company's most frequently originated type of loan was Conventional, with 565 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 261 $70,875,000 $271,552 $0 0.00%
    Home Purchase 209 $66,345,000 $317,440 $0 0.00%
    Cash Out Refi 79 $15,145,000 $191,709 $0 0.00%
    Other 9 $725,000 $80,556 $0 0.00%
    Home Improvement 7 $1,245,000 $177,857 $0 0.00%

    For 2020, The Paducah Bank And Trust Company's most frequently cited loan purpose was Refi, with 261 originations. The 2nd most popular reason was Home Purchase, with 209 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 565 $154,335,000 $273,159 $0 0.00%

    For 2020, The Paducah Bank And Trust Company's most frequently cited loan duration was Other, with 565 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 225 $33,205,000 $147,578 $0 0.00%
    $200k-400k 166 $46,400,000 $279,518 $0 0.00%
    $100,000 or less 123 $7,065,000 $57,439 $0 0.00%
    $400k-600k 35 $16,625,000 $475,000 $0 0.00%
    $600k-1MM 11 $8,575,000 $779,545 $0 0.00%
    $1MM+ 5 $42,465,000 $8,493,000 $0 0.00%

    2020 saw The Paducah Bank And Trust Company place emphasis on $100k-200k loans with 225 originations, totaling $33,205,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 116 $25,950,000 $223,707 $0 0.00%
    $50k-75k 99 $15,415,000 $155,707 $0 0.00%
    $50k or less 94 $9,070,000 $96,489 $0 0.00%
    $75k-100k 83 $13,835,000 $166,687 $0 0.00%
    $150k-250k 70 $20,550,000 $293,571 $0 0.00%
    $250k+ 42 $18,060,000 $430,000 $0 0.00%

    The Paducah Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 116 originations. The second most popular income band? $50k-75k, with 99 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 565 $154,335,000 $273,159 $0 0.00%

    The Paducah Bank And Trust Company lent most frequently to those with DTI ratios of Exempt%, with 565 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 498 $101,530,000 $203,876 $0 0.00%
    Not applicable 54 $50,330,000 $932,037 $0 0.00%
    Asian 4 $1,280,000 $320,000 $0 0.00%
    Black 6 $520,000 $86,667 $0 0.00%
    American Indian 1 $445,000 $445,000 $0 0.00%
    Not provided 2 $230,000 $115,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.50%

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

    Pick Rate

    Approvals leading to origination
    85.66%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 565 $154,335,000 $273,159

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 12 $43,850,000 $3,654,167
    Single Family (1-4 Units):Manufactured 20 $1,250,000 $62,500
    Single Family (1-4 Units):Site-Built 533 $109,235,000 $204,944