Citizens Deposit Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Citizens Deposit Bank & Trust of Vanceburg, KY reported 339 mortgage applications totaling $29.1 million, down 13% from 2013. The average application was for $85,985, and applicants reported an average income of $63,144. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (90), Cincinnati, OH-KY-IN (47) and Louisville/Jefferson County, KY-IN (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 | 339 |
| Total Mortgage Loan Application Amount | $29,149,000 |
| Average Mortgage Loan Application Amount | $85,985 |
| Highest Mortgage Loan Application Amount | $1,280,000 |
| Average Applicant Income | $63,144 |
| Highest Applicant Income | $1,100,000 |
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records Citizens Deposit Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Huntington-Ashland, WV-KY-OH | 90 | $ 7,652,000 | $ 85,022 | $ 60,277 |
| Cincinnati, OH-KY-IN | 47 | $ 5,319,000 | $ 113,170 | $ 56,085 |
| Louisville/Jefferson County, KY-IN | 17 | $ 1,580,000 | $ 92,941 | $ 142,000 |
| Charleston, WV | 8 | $ 1,540,000 | $ 192,500 | $ 98,000 |
| Lexington-Fayette, KY | 3 | $ 428,000 | $ 142,666 | $ 105,000 |
| Morgantown, WV | 2 | $ 304,000 | $ 152,000 | $ 96,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Citizens Deposit Bank & Trust in 2014
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 | 150 | $14,714,000 | $98,000 | $1,280,000 | $59,000 | $253,000 |
| Refinancing | 115 | $12,497,000 | $108,000 | $1,075,000 | $68,000 | $524,000 |
| Home Improvement | 74 | $1,938,000 | $26,000 | $126,000 | $64,000 | $1,100,000 |
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 | 320 | $25,310,000 | $79,000 | $407,000 | $66,000 | $1,100,000 |
| Not applicable | 13 | $2,287,000 | $175,000 | $1,075,000 | $0 | $0 |
| Not Provided | 2 | $106,000 | $53,000 | $58,000 | $53,000 | $81,000 |
| Black or African American | 2 | $68,000 | $34,000 | $46,000 | $45,000 | $58,000 |
| Hispanic | 1 | $98,000 | $98,000 | $98,000 | $64,000 | $64,000 |
| Asian | 1 | $1,280,000 | $1,280,000 | $1,280,000 | $0 | $0 |
| 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) | 324 | $27,628,000 | $85,000 | $1,280,000 | $64,000 | $1,100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,521,000 | $101,000 | $164,000 | $43,000 | $64,000 |
| 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 | 311 | $25,622,000 | $82,000 | $1,280,000 | $63,000 | $1,100,000 |
| Application Denied By Financial Institution | 17 | $2,116,000 | $124,000 | $355,000 | $77,000 | $210,000 |
| Application Approved But Not Accepted | 11 | $1,411,000 | $128,000 | $254,000 | $49,000 | $115,000 |
| 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 2014 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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