Citizens Deposit Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Citizens Deposit Bank & Trust of Vanceburg, KY reported 219 mortgage applications totaling $39.0 million, down 19% from 2016. The average application was for $177,881, and applicants reported an average income of $66,972. 94% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (39), Cincinnati, OH-KY-IN (34) and Louisville/Jefferson County, KY-IN (13) (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 | 219 |
| Total Mortgage Loan Application Amount | $38,956,000 |
| Average Mortgage Loan Application Amount | $177,881 |
| Highest Mortgage Loan Application Amount | $7,101,000 |
| Average Applicant Income | $66,972 |
| Highest Applicant Income | $583,000 |
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records Citizens Deposit Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 80 | $ 4,728,000 | $ 59,100 | $ 58,000 |
| Lawrence, Ohio | 35 | $ 3,375,000 | $ 96,428 | $ 82,000 |
| Mason, Kentucky | 28 | $ 2,219,000 | $ 79,250 | $ 67,000 |
| Bracken, Kentucky | 15 | $ 964,000 | $ 64,266 | $ 60,000 |
| Henry, Kentucky | 10 | $ 287,000 | $ 28,700 | $ 78,000 |
| Robertson, Kentucky | 7 | $ 453,000 | $ 64,714 | $ 70,000 |
| Fleming, Kentucky | 6 | $ 375,000 | $ 62,500 | $ 42,000 |
| Kenton, Kentucky | 6 | $ 3,321,000 | $ 553,500 | $ 145,000 |
| Hamilton, Ohio | 5 | $ 9,440,000 | $ 1,888,000 | $ 0 |
| Cuyahoga, Ohio | 4 | $ 10,270,000 | $ 2,567,500 | $ 0 |
| Boone, Kentucky | 3 | $ 623,000 | $ 207,666 | $ 89,000 |
| Brown, Ohio | 3 | $ 186,000 | $ 62,000 | $ 53,000 |
| Cabell, West Virginia | 3 | $ 678,000 | $ 226,000 | $ 56,000 |
| Campbell, Kentucky | 2 | $ 1,028,000 | $ 514,000 | $ 64,000 |
| Jefferson, Kentucky | 2 | $ 202,000 | $ 101,000 | $ 52,000 |
| Adams, Ohio | 2 | $ 224,000 | $ 112,000 | $ 303,000 |
| Brevard, Florida | 1 | $ 5,000 | $ 5,000 | $ 96,000 |
| Carter, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Greenup, Kentucky | 1 | $ 3,000 | $ 3,000 | $ 36,000 |
| Montgomery, Kentucky | 1 | $ 170,000 | $ 170,000 | $ 49,000 |
| Scott, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 54,000 |
| Shelby, Kentucky | 1 | $ 84,000 | $ 84,000 | $ 97,000 |
| Gallia, Ohio | 1 | $ 140,000 | $ 140,000 | $ 95,000 |
| Scioto, Ohio | 1 | $ 57,000 | $ 57,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Citizens Deposit Bank & Trust in 2017
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 | 120 | $11,442,000 | $95,000 | $743,000 | $74,000 | $583,000 |
| Refinancing | 50 | $24,064,000 | $481,000 | $7,101,000 | $54,000 | $199,000 |
| Home Improvement | 49 | $3,450,000 | $70,000 | $818,000 | $63,000 | $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 | 198 | $15,545,000 | $78,000 | $743,000 | $73,000 | $583,000 |
| Not applicable | 18 | $23,211,000 | $1,289,000 | $7,101,000 | $0 | $0 |
| Black or African American | 3 | $200,000 | $66,000 | $75,000 | $75,000 | $123,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 219 | $38,956,000 | $177,000 | $7,101,000 | $67,000 | $583,000 |
| 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 | 205 | $37,840,000 | $184,000 | $7,101,000 | $67,000 | $583,000 |
| Application Denied By Financial Institution | 7 | $387,000 | $55,000 | $150,000 | $52,000 | $124,000 |
| Application Withdrawn By Applicant | 5 | $600,000 | $120,000 | $200,000 | $70,000 | $90,000 |
| Application Approved But Not Accepted | 2 | $129,000 | $64,000 | $90,000 | $44,000 | $57,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2017 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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