Citizens Deposit Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Citizens Deposit Bank & Trust of Vanceburg, KY reported 103 mortgage applications totaling $16.3 million, down 47% from 2020. The average application was for $158,203, and applicants reported an average income of $104,223. 96% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (34), Cincinnati, OH-KY-IN (14) and Louisville/Jefferson County, KY-IN (7) (applications in parentheses).
| Mortgage Company & Address | Citizens Deposit Bank & Trust Po Box 9 10 Second Street Vanceburg, KY 41179 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 103 |
| Total Mortgage Loan Application Amount | $16,295,000 |
| Average Mortgage Loan Application Amount | $158,203 |
| Highest Mortgage Loan Application Amount | $3,425,000 |
| Average Applicant Income | $104,223 |
| Highest Applicant Income | $318,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Deposit Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lawrence, Ohio | 22 | $ 3,120,000 | $ 141,818 | $ 103,000 |
| Lewis, Kentucky | 19 | $ 1,815,000 | $ 95,526 | $ 79,000 |
| Mason, Kentucky | 10 | $ 880,000 | $ 88,000 | $ 83,000 |
| Cabell, West Virginia | 9 | $ 1,345,000 | $ 149,444 | $ 161,000 |
| Boone, Kentucky | 7 | $ 1,255,000 | $ 179,285 | $ 316,000 |
| Bracken, Kentucky | 5 | $ 635,000 | $ 127,000 | $ 78,000 |
| Henry, Kentucky | 5 | $ 375,000 | $ 75,000 | $ 63,000 |
| Robertson, Kentucky | 5 | $ 385,000 | $ 77,000 | $ 97,000 |
| Fleming, Kentucky | 3 | $ 245,000 | $ 81,666 | $ 58,000 |
| Breathitt, Kentucky | 2 | $ 120,000 | $ 60,000 | $ 55,000 |
| Greenup, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 103,000 |
| Polk, Florida | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Scott, Indiana | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Boyd, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Kenton, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Lee, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Nicholas, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Shelby, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Trimble, Kentucky | 1 | $ 465,000 | $ 465,000 | $ 67,000 |
| Cuyahoga, Ohio | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Gallia, Ohio | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Hamilton, Ohio | 1 | $ 3,425,000 | $ 3,425,000 | $ 0 |
| Scioto, Ohio | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Horry, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 124,000 |
Mortgage Loan Application Detail Totals for Citizens Deposit Bank & Trust in 2021
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 | 51 | $9,555,000 | $187,000 | $3,425,000 | $88,000 | $249,000 |
| Refinancing | 45 | $6,315,000 | $140,000 | $505,000 | $127,000 | $318,000 |
| Home Improvement | 4 | $220,000 | $55,000 | $125,000 | $82,000 | $124,000 |
| Other Purpose | 3 | $205,000 | $68,000 | $85,000 | $68,000 | $72,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 88 | $10,600,000 | $120,000 | $715,000 | $105,000 | $318,000 |
| Not applicable | 12 | $5,520,000 | $460,000 | $3,425,000 | $0 | $0 |
| Black or African American | 2 | $60,000 | $30,000 | $45,000 | $104,000 | $124,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $63,000 | $63,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 103 | $16,295,000 | $158,000 | $3,425,000 | $105,000 | $318,000 |
| 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 | 99 | $15,925,000 | $160,000 | $3,425,000 | $108,000 | $318,000 |
| Application Denied By Financial Institution | 3 | $215,000 | $71,000 | $95,000 | $34,000 | $41,000 |
| Application Approved But Not Accepted | 1 | $155,000 | $155,000 | $155,000 | $63,000 | $63,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 103 | $16,295,000 | $158,000 | $3,425,000 | $105,000 | $318,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Deposit Bank & Trust's 2021 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 Citizens Deposit Bank & Trust'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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