Citizens Deposit Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Citizens Deposit Bank & Trust of Vanceburg, KY reported 420 mortgage applications totaling $39.0 million, down 8% from 2009. The average application was for $92,916, and applicants reported an average income of $61,692. 73% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (54), Huntington-Ashland, WV-KY-OH (45) and Charleston, WV (27) (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 | 420 |
| Total Mortgage Loan Application Amount | $39,025,000 |
| Average Mortgage Loan Application Amount | $92,916 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $61,692 |
| Highest Applicant Income | $937,000 |
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records Citizens Deposit Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 54 | $ 3,407,000 | $ 63,092 | $ 58,111 |
| Huntington-Ashland, WV-KY-OH | 45 | $ 5,070,000 | $ 112,666 | $ 56,933 |
| Charleston, WV | 27 | $ 4,170,000 | $ 154,444 | $ 91,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 7 | $ 1,180,000 | $ 168,571 | $ 61,000 |
| Louisville-Jefferson County, KY-IN | 5 | $ 519,000 | $ 103,800 | $ 67,000 |
| Lexington-Fayette, KY | 2 | $ 471,000 | $ 235,500 | $ 48,000 |
| Columbus, OH | 1 | $ 4,000 | $ 4,000 | $ 75,000 |
| Morgantown, WV | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 215,000 | $ 215,000 | $ 458,000 |
Mortgage Loan Application Detail Totals for Citizens Deposit Bank & Trust in 2010
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 | 175 | $23,518,000 | $134,000 | $417,000 | $78,000 | $937,000 |
| Home Purchase | 167 | $14,437,000 | $86,000 | $322,000 | $51,000 | $549,000 |
| Home Improvement | 78 | $1,070,000 | $13,000 | $118,000 | $48,000 | $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 | 413 | $38,127,000 | $92,000 | $417,000 | $62,000 | $937,000 |
| Not applicable | 2 | $77,000 | $38,000 | $41,000 | $0 | $0 |
| Asian | 2 | $289,000 | $144,000 | $175,000 | $59,000 | $77,000 |
| Black or African American | 1 | $281,000 | $281,000 | $281,000 | $79,000 | $79,000 |
| Hispanic | 1 | $236,000 | $236,000 | $236,000 | $60,000 | $60,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $37,000 | $37,000 |
| Not Provided | 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) | 361 | $33,768,000 | $93,000 | $417,000 | $66,000 | $937,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 59 | $5,257,000 | $89,000 | $181,000 | $35,000 | $75,000 |
| 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 | 308 | $25,444,000 | $82,000 | $400,000 | $64,000 | $937,000 |
| Application Denied By Financial Institution | 74 | $9,704,000 | $131,000 | $417,000 | $57,000 | $204,000 |
| Application Withdrawn By Applicant | 34 | $3,275,000 | $96,000 | $260,000 | $54,000 | $168,000 |
| File Closed For Incompleteness | 4 | $602,000 | $150,000 | $233,000 | $71,000 | $101,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 27 | $3,732,000 | $138,000 | $287,000 | $68,000 | $146,000 |
| Credit History | 20 | $1,921,000 | $96,000 | $224,000 | $38,000 | $88,000 |
| Debt-To-Income Ratio | 13 | $2,427,000 | $186,000 | $417,000 | $60,000 | $204,000 |
| Collateral | 9 | $985,000 | $109,000 | $209,000 | $61,000 | $91,000 |
| Employment History | 2 | $181,000 | $90,000 | $104,000 | $40,000 | $62,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $77,000 | $77,000 |
| Unverifiable Information | 1 | $107,000 | $107,000 | $107,000 | $23,000 | $23,000 |
| Mortgage Insurance Denied | 1 | $176,000 | $176,000 | $176,000 | $79,000 | $79,000 |
| 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 2010 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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