Bank of Cadiz & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Bank of Cadiz & Trust Company of Cadiz, KY reported 107 mortgage applications totaling $8.5 million, down 1% from 2010. The average application was for $79,738, and applicants reported an average income of $65,981. 78% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Clarksville, TN-KY (96) and Sacramento--Arden-Arcade--Roseville, CA (1).
| Mortgage Company & Address | Bank of Cadiz & Trust Company P O Box 2020 Cadiz, KY 42211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 107 |
| Total Mortgage Loan Application Amount | $8,532,000 |
| Average Mortgage Loan Application Amount | $79,738 |
| Highest Mortgage Loan Application Amount | $715,000 |
| Average Applicant Income | $65,981 |
| Highest Applicant Income | $530,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Cadiz & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Trigg, Kentucky | 79 | $ 5,044,000 | $ 63,848 | $ 53,000 |
| Christian, Kentucky | 17 | $ 1,137,000 | $ 66,882 | $ 109,000 |
| Calloway, Kentucky | 4 | $ 541,000 | $ 135,250 | $ 62,000 |
| Lyon, Kentucky | 4 | $ 675,000 | $ 168,750 | $ 103,000 |
| Sacramento, California | 1 | $ 175,000 | $ 175,000 | $ 32,000 |
| Caldwell, Kentucky | 1 | $ 715,000 | $ 715,000 | $ 222,000 |
| Henry, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Bank of Cadiz & Trust Company in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 40 | $3,772,000 | $94,000 | $261,000 | $66,000 | $530,000 |
| Refinancing | 38 | $3,433,000 | $90,000 | $715,000 | $69,000 | $295,000 |
| Home Improvement | 29 | $1,327,000 | $45,000 | $408,000 | $62,000 | $251,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 94 | $7,804,000 | $83,000 | $715,000 | $74,000 | $530,000 |
| Not applicable | 9 | $678,000 | $75,000 | $261,000 | $0 | $0 |
| Black or African American | 3 | $5,000 | $1,000 | $3,000 | $11,000 | $12,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $29,000 | $29,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 107 | $8,532,000 | $79,000 | $715,000 | $66,000 | $530,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 83 | $7,066,000 | $85,000 | $715,000 | $73,000 | $530,000 |
| Application Denied By Financial Institution | 16 | $767,000 | $47,000 | $115,000 | $37,000 | $72,000 |
| Application Approved But Not Accepted | 5 | $412,000 | $82,000 | $150,000 | $47,000 | $54,000 |
| Application Withdrawn By Applicant | 3 | $287,000 | $95,000 | $175,000 | $55,000 | $117,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 9 | $573,000 | $63,000 | $115,000 | $38,000 | $72,000 |
| Debt-To-Income Ratio | 6 | $126,000 | $21,000 | $50,000 | $32,000 | $56,000 |
| Collateral | 1 | $68,000 | $68,000 | $68,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Cadiz & Trust Company's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank of Cadiz & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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