Citizens Deposit Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Citizens Deposit Bank & Trust of Vanceburg, KY reported 366 mortgage applications totaling $33.7 million, up 18% from 2011. The average application was for $92,010, and applicants reported an average income of $76,568. 88% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (53), Cincinnati-Middletown, OH-KY-IN (49) and Charleston, WV (35) (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 | 366 |
| Total Mortgage Loan Application Amount | $33,676,000 |
| Average Mortgage Loan Application Amount | $92,010 |
| Highest Mortgage Loan Application Amount | $429,000 |
| Average Applicant Income | $76,568 |
| Highest Applicant Income | $719,000 |
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records Citizens Deposit Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 91 | $ 4,107,000 | $ 45,131 | $ 53,000 |
| Lawrence, Ohio | 45 | $ 5,140,000 | $ 114,222 | $ 74,000 |
| Mason, Kentucky | 39 | $ 3,984,000 | $ 102,153 | $ 79,000 |
| Bracken, Kentucky | 36 | $ 2,401,000 | $ 66,694 | $ 57,000 |
| Upshur, West Virginia | 26 | $ 3,047,000 | $ 117,192 | $ 79,000 |
| Kanawha, West Virginia | 25 | $ 5,262,000 | $ 210,480 | $ 143,000 |
| Robertson, Kentucky | 15 | $ 411,000 | $ 27,400 | $ 62,000 |
| Logan, West Virginia | 12 | $ 1,330,000 | $ 110,833 | $ 58,000 |
| Brown, Ohio | 8 | $ 637,000 | $ 79,625 | $ 69,000 |
| Fleming, Kentucky | 6 | $ 488,000 | $ 81,333 | $ 55,000 |
| Boyd, Kentucky | 5 | $ 264,000 | $ 52,800 | $ 49,000 |
| Henry, Kentucky | 5 | $ 247,000 | $ 49,400 | $ 44,000 |
| Boone, West Virginia | 5 | $ 512,000 | $ 102,400 | $ 57,000 |
| Lewis, West Virginia | 4 | $ 513,000 | $ 128,250 | $ 151,000 |
| Fayette, Kentucky | 3 | $ 276,000 | $ 92,000 | $ 63,000 |
| Greenup, Kentucky | 3 | $ 101,000 | $ 33,666 | $ 59,000 |
| Harrison, West Virginia | 3 | $ 591,000 | $ 197,000 | $ 167,000 |
| Jackson, West Virginia | 3 | $ 271,000 | $ 90,333 | $ 85,000 |
| Putnam, West Virginia | 3 | $ 864,000 | $ 288,000 | $ 333,000 |
| Campbell, Kentucky | 2 | $ 176,000 | $ 88,000 | $ 331,000 |
| Jefferson, Kentucky | 2 | $ 438,000 | $ 219,000 | $ 56,000 |
| Shelby, Kentucky | 2 | $ 28,000 | $ 14,000 | $ 42,000 |
| Scioto, Ohio | 2 | $ 80,000 | $ 40,000 | $ 27,000 |
| Henrico, Virginia | 2 | $ 196,000 | $ 98,000 | $ 92,000 |
| Lincoln, West Virginia | 2 | $ 165,000 | $ 82,500 | $ 64,000 |
| Monongalia, West Virginia | 2 | $ 270,000 | $ 135,000 | $ 429,000 |
| St. Clair, Illinois | 1 | $ 188,000 | $ 188,000 | $ 104,000 |
| Harrison, Kentucky | 1 | $ 118,000 | $ 118,000 | $ 59,000 |
| Kenton, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 32,000 |
| Pendleton, Kentucky | 1 | $ 3,000 | $ 3,000 | $ 37,000 |
| Pulaski, Kentucky | 1 | $ 204,000 | $ 204,000 | $ 75,000 |
| Rowan, Kentucky | 1 | $ 39,000 | $ 39,000 | $ 50,000 |
| Montgomery, Maryland | 1 | $ 62,000 | $ 62,000 | $ 74,000 |
| Brunswick, North Carolina | 1 | $ 72,000 | $ 72,000 | $ 117,000 |
| Adams, Ohio | 1 | $ 94,000 | $ 94,000 | $ 57,000 |
| Hamilton, Ohio | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Fayette, Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 94,000 |
| King William, Virginia | 1 | $ 374,000 | $ 374,000 | $ 133,000 |
| Barbour, West Virginia | 1 | $ 170,000 | $ 170,000 | $ 81,000 |
| Marion, West Virginia | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| Wood, West Virginia | 1 | $ 116,000 | $ 116,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Citizens Deposit Bank & Trust in 2012
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 | 182 | $21,096,000 | $115,000 | $429,000 | $88,000 | $719,000 |
| Home Purchase | 112 | $10,539,000 | $94,000 | $417,000 | $77,000 | $447,000 |
| Home Improvement | 72 | $2,041,000 | $28,000 | $250,000 | $47,000 | $236,000 |
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 | 356 | $32,594,000 | $91,000 | $429,000 | $76,000 | $719,000 |
| Not applicable | 3 | $337,000 | $112,000 | $250,000 | $0 | $0 |
| Black or African American | 3 | $244,000 | $81,000 | $116,000 | $69,000 | $104,000 |
| Hispanic | 2 | $176,000 | $88,000 | $141,000 | $331,000 | $331,000 |
| Asian | 1 | $235,000 | $235,000 | $235,000 | $209,000 | $209,000 |
| Not Provided | 1 | $90,000 | $90,000 | $90,000 | $31,000 | $31,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 345 | $32,052,000 | $92,000 | $429,000 | $79,000 | $719,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,624,000 | $77,000 | $128,000 | $40,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 323 | $28,089,000 | $86,000 | $429,000 | $75,000 | $719,000 |
| Application Denied By Financial Institution | 25 | $2,796,000 | $111,000 | $400,000 | $75,000 | $326,000 |
| Application Approved But Not Accepted | 18 | $2,791,000 | $155,000 | $417,000 | $105,000 | $447,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 Citizens Deposit Bank & Trust's 2012 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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