Citizens Deposit Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Citizens Deposit Bank & Trust of Vanceburg, KY reported 311 mortgage applications totaling $23.8 million, down 26% from 2010. The average application was for $76,604, and applicants reported an average income of $61,443. 89% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (51), Charleston, WV (31) and Huntington-Ashland, WV-KY-OH (17) (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 | 311 |
| Total Mortgage Loan Application Amount | $23,824,000 |
| Average Mortgage Loan Application Amount | $76,604 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $61,443 |
| Highest Applicant Income | $493,000 |
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records Citizens Deposit Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 51 | $ 1,993,000 | $ 39,078 | $ 54,039 |
| Charleston, WV | 31 | $ 4,898,000 | $ 158,000 | $ 108,000 |
| Huntington-Ashland, WV-KY-OH | 17 | $ 1,800,000 | $ 105,882 | $ 51,411 |
| Louisville-Jefferson County, KY-IN | 2 | $ 364,000 | $ 182,000 | $ 78,000 |
| Lexington-Fayette, KY | 1 | $ 154,000 | $ 154,000 | $ 158,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 119,000 | $ 119,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Citizens Deposit Bank & Trust in 2011
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 | 113 | $12,837,000 | $113,000 | $417,000 | $77,000 | $493,000 |
| Home Purchase | 106 | $9,628,000 | $90,000 | $417,000 | $60,000 | $240,000 |
| Home Improvement | 92 | $1,359,000 | $14,000 | $204,000 | $44,000 | $132,000 |
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 | 306 | $23,126,000 | $75,000 | $417,000 | $62,000 | $493,000 |
| Not applicable | 2 | $325,000 | $162,000 | $204,000 | $0 | $0 |
| Hispanic | 2 | $232,000 | $116,000 | $117,000 | $68,000 | $104,000 |
| Asian | 1 | $141,000 | $141,000 | $141,000 | $38,000 | $38,000 |
| Black or African American | 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 |
| American Indian or Alaskan Native | 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) | 293 | $22,059,000 | $75,000 | $417,000 | $63,000 | $493,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,765,000 | $98,000 | $150,000 | $39,000 | $63,000 |
| 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 | 277 | $19,739,000 | $71,000 | $417,000 | $60,000 | $493,000 |
| Application Denied By Financial Institution | 20 | $2,367,000 | $118,000 | $417,000 | $70,000 | $240,000 |
| Application Approved But Not Accepted | 12 | $1,478,000 | $123,000 | $230,000 | $77,000 | $182,000 |
| Application Withdrawn By Applicant | 1 | $35,000 | $35,000 | $35,000 | $26,000 | $26,000 |
| File Closed For Incompleteness | 1 | $205,000 | $205,000 | $205,000 | $200,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 8 | $1,299,000 | $162,000 | $417,000 | $104,000 | $240,000 |
| Credit History | 4 | $146,000 | $36,000 | $60,000 | $38,000 | $50,000 |
| Debt-To-Income Ratio | 4 | $684,000 | $171,000 | $417,000 | $46,000 | $56,000 |
| Employment History | 3 | $30,000 | $10,000 | $12,000 | $41,000 | $65,000 |
| Mortgage Insurance Denied | 1 | $208,000 | $208,000 | $208,000 | $104,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Deposit Bank & Trust's 2011 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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