Citizens Deposit Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Citizens Deposit Bank & Trust of Vanceburg, KY reported 455 mortgage applications totaling $45.4 million. The average application was for $99,832, and applicants reported an average income of $66,938. 75% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (57), Cincinnati-Middletown, OH-KY-IN (49) and Charleston, WV (25) (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 | 455 |
| Total Mortgage Loan Application Amount | $45,424,000 |
| Average Mortgage Loan Application Amount | $99,832 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $66,938 |
| Highest Applicant Income | $1,000,000 |
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records Citizens Deposit Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lewis, Kentucky | 93 | $ 4,145,000 | $ 44,569 | $ 55,000 |
| Upshur, West Virginia | 52 | $ 5,978,000 | $ 114,961 | $ 57,000 |
| Mason, Kentucky | 48 | $ 5,656,000 | $ 117,833 | $ 65,000 |
| Bracken, Kentucky | 43 | $ 3,476,000 | $ 80,837 | $ 71,000 |
| Lawrence, Ohio | 43 | $ 4,704,000 | $ 109,395 | $ 53,000 |
| Rowan, Kentucky | 39 | $ 4,956,000 | $ 127,076 | $ 69,000 |
| Fleming, Kentucky | 25 | $ 2,808,000 | $ 112,320 | $ 73,000 |
| Kanawha, West Virginia | 17 | $ 2,211,000 | $ 130,058 | $ 75,000 |
| Logan, West Virginia | 11 | $ 1,324,000 | $ 120,363 | $ 165,000 |
| Greenup, Kentucky | 7 | $ 657,000 | $ 93,857 | $ 83,000 |
| Harrison, West Virginia | 7 | $ 1,725,000 | $ 246,428 | $ 160,000 |
| Boone, West Virginia | 6 | $ 534,000 | $ 89,000 | $ 62,000 |
| Jackson, West Virginia | 6 | $ 510,000 | $ 85,000 | $ 54,000 |
| Shelby, Kentucky | 5 | $ 809,000 | $ 161,800 | $ 49,000 |
| Henry, Kentucky | 4 | $ 416,000 | $ 104,000 | $ 46,000 |
| Barbour, West Virginia | 4 | $ 300,000 | $ 75,000 | $ 62,000 |
| Wayne, West Virginia | 4 | $ 376,000 | $ 94,000 | $ 76,000 |
| Fayette, Kentucky | 3 | $ 516,000 | $ 172,000 | $ 92,000 |
| Robertson, Kentucky | 3 | $ 59,000 | $ 19,666 | $ 33,000 |
| Lewis, West Virginia | 3 | $ 299,000 | $ 99,666 | $ 60,000 |
| Bath, Kentucky | 2 | $ 424,000 | $ 212,000 | $ 71,000 |
| Carter, Kentucky | 2 | $ 250,000 | $ 125,000 | $ 49,000 |
| Kenton, Kentucky | 2 | $ 251,000 | $ 125,500 | $ 161,000 |
| Montgomery, Kentucky | 2 | $ 146,000 | $ 73,000 | $ 20,000 |
| Gallia, Ohio | 2 | $ 205,000 | $ 102,500 | $ 36,000 |
| Scioto, Ohio | 2 | $ 52,000 | $ 26,000 | $ 36,000 |
| Cabell, West Virginia | 2 | $ 248,000 | $ 124,000 | $ 52,000 |
| Boone, Kentucky | 1 | $ 79,000 | $ 79,000 | $ 84,000 |
| Boyd, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 73,000 |
| Harrison, Kentucky | 1 | $ 274,000 | $ 274,000 | $ 145,000 |
| Jefferson, Kentucky | 1 | $ 331,000 | $ 331,000 | $ 90,000 |
| Menifee, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 48,000 |
| Oldham, Kentucky | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Pendleton, Kentucky | 1 | $ 3,000 | $ 3,000 | $ 21,000 |
| Brown, Ohio | 1 | $ 96,000 | $ 96,000 | $ 93,000 |
| Franklin, Ohio | 1 | $ 132,000 | $ 132,000 | $ 407,000 |
| Hamilton, Ohio | 1 | $ 166,000 | $ 166,000 | $ 49,000 |
| Fayette, West Virginia | 1 | $ 261,000 | $ 261,000 | $ 126,000 |
| Lincoln, West Virginia | 1 | $ 160,000 | $ 160,000 | $ 207,000 |
| Preston, West Virginia | 1 | $ 203,000 | $ 203,000 | $ 57,000 |
| Putnam, West Virginia | 1 | $ 63,000 | $ 63,000 | $ 37,000 |
| Raleigh, West Virginia | 1 | $ 67,000 | $ 67,000 | $ 46,000 |
| Randolph, West Virginia | 1 | $ 102,000 | $ 102,000 | $ 66,000 |
| Taylor, West Virginia | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Wood, West Virginia | 1 | $ 140,000 | $ 140,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Citizens Deposit Bank & Trust in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 229 | $29,540,000 | $128,000 | $417,000 | $79,000 | $770,000 |
| Home Purchase | 168 | $15,134,000 | $90,000 | $310,000 | $56,000 | $1,000,000 |
| Home Improvement | 58 | $750,000 | $12,000 | $66,000 | $51,000 | $200,000 |
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 | 445 | $44,697,000 | $100,000 | $417,000 | $66,000 | $770,000 |
| Hispanic | 5 | $281,000 | $56,000 | $90,000 | $225,000 | $1,000,000 |
| Black or African American | 2 | $145,000 | $72,000 | $93,000 | $29,000 | $32,000 |
| Not Provided | 2 | $175,000 | $87,000 | $95,000 | $40,000 | $45,000 |
| Asian | 1 | $126,000 | $126,000 | $126,000 | $107,000 | $107,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 373 | $37,902,000 | $101,000 | $417,000 | $73,000 | $1,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $7,230,000 | $91,000 | $160,000 | $39,000 | $129,000 |
| FHA-insured (Federal Housing Administration) | 2 | $134,000 | $67,000 | $78,000 | $59,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 1 | $158,000 | $158,000 | $158,000 | $64,000 | $64,000 |
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 | 341 | $32,627,000 | $95,000 | $360,000 | $71,000 | $1,000,000 |
| Application Denied By Financial Institution | 74 | $8,462,000 | $114,000 | $417,000 | $53,000 | $213,000 |
| Application Withdrawn By Applicant | 36 | $3,791,000 | $105,000 | $290,000 | $61,000 | $172,000 |
| Application Approved But Not Accepted | 3 | $419,000 | $139,000 | $160,000 | $48,000 | $78,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $115,000 | $115,000 |
| 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 | 29 | $1,907,000 | $65,000 | $140,000 | $35,000 | $129,000 |
| Collateral | 16 | $2,427,000 | $151,000 | $331,000 | $77,000 | $213,000 |
| Other | 11 | $1,781,000 | $161,000 | $417,000 | $80,000 | $190,000 |
| Debt-To-Income Ratio | 9 | $1,012,000 | $112,000 | $218,000 | $32,000 | $79,000 |
| Employment History | 5 | $608,000 | $121,000 | $196,000 | $55,000 | $105,000 |
| Mortgage Insurance Denied | 3 | $642,000 | $214,000 | $260,000 | $77,000 | $104,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $30,000 | $30,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Deposit Bank & Trust's 2009 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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