Citizens Guaranty Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Citizens Guaranty Bank 2008 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Citizens Guaranty Bank 457 East Main Street; Po Box 767 Richmond, KY 40476 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 315 |
| Total Mortgage Loan Application Amount | $26,650,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $2,694,000 |
| Average Applicant Income | $56,666 |
| Highest Applicant Income | $504,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Citizens Guaranty Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Citizens Guaranty Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Citizens Guaranty Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Citizens Guaranty Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Guaranty Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Citizens Guaranty Bank's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Estill County Kentucky | 107 | $ 5,554,000 | $ 51,000 | $ 43,000 |
| Madison County Kentucky | 61 | $ 9,458,000 | $ 155,000 | $ 69,000 |
| Pulaski County Kentucky | 29 | $ 810,000 | $ 27,000 | $ 31,000 |
| Clark County Kentucky | 13 | $ 855,000 | $ 65,000 | $ 156,000 |
| Laurel County Kentucky | 13 | $ 2,148,000 | $ 165,000 | $ 108,000 |
| Montgomery County Kentucky | 10 | $ 2,005,000 | $ 200,000 | $ 119,000 |
| Lee County Kentucky | 9 | $ 429,000 | $ 47,000 | $ 41,000 |
| Fayette County Kentucky | 8 | $ 380,000 | $ 47,000 | $ 46,000 |
| Lincoln County Kentucky | 7 | $ 200,000 | $ 28,000 | $ 28,000 |
| Garrard County Kentucky | 5 | $ 381,000 | $ 76,000 | $ 53,000 |
| McCreary County Kentucky | 5 | $ 126,000 | $ 25,000 | $ 36,000 |
| Clinton County Kentucky | 4 | $ 103,000 | $ 25,000 | $ 38,000 |
| Grant County Kentucky | 4 | $ 68,000 | $ 17,000 | $ 39,000 |
| Wayne County Kentucky | 4 | $ 167,000 | $ 41,000 | $ 33,000 |
| Casey County Kentucky | 3 | $ 86,000 | $ 28,000 | $ 28,000 |
| Powell County Kentucky | 3 | $ 211,000 | $ 70,000 | $ 92,000 |
| Boyle County Kentucky | 2 | $ 67,000 | $ 33,000 | $ 26,000 |
| Franklin County Kentucky | 2 | $ 60,000 | $ 30,000 | $ 28,000 |
| Jackson County Kentucky | 2 | $ 32,000 | $ 16,000 | $ 31,000 |
| Rockcastle County Kentucky | 2 | $ 153,000 | $ 76,000 | $ 55,000 |
| Russell County Kentucky | 2 | $ 37,000 | $ 18,000 | $ 44,000 |
| Anderson County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 16,000 |
| Barren County Kentucky | 1 | $ 37,000 | $ 37,000 | $ 36,000 |
| Boone County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 19,000 |
| Carroll County Kentucky | 1 | $ 13,000 | $ 13,000 | $ 32,000 |
| Jefferson County Kentucky | 1 | $ 6,000 | $ 6,000 | $ 25,000 |
| Knox County Kentucky | 1 | $ 786,000 | $ 786,000 | $ 504,000 |
| Letcher County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 24,000 |
| Marion County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Martin County Kentucky | 1 | $ 43,000 | $ 43,000 | $ 39,000 |
| Perry County Kentucky | 1 | $ 21,000 | $ 21,000 | $ 29,000 |
| Pike County Kentucky | 1 | $ 44,000 | $ 44,000 | $ 54,000 |
| Scott County Kentucky | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Shelby County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Taylor County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 14,000 |
| Washington County Kentucky | 1 | $ 34,000 | $ 34,000 | $ 25,000 |
| Whitley County Kentucky | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Woodford County Kentucky | 1 | $ 23,000 | $ 23,000 | $ 48,000 |
| Montgomery County Maryland | 1 | $ 551,000 | $ 551,000 | $ 302,000 |
| Lafayette County Mississippi | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 450,000 | $ 450,000 | $ 20,000 |
Mortgage Loan Application Detail Totals for Citizens Guaranty Bank in 2008
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 | 168 | $8,970,000 | $53,000 | $450,000 | $52,000 | $385,000 |
| Refinancing | 97 | $16,760,000 | $172,000 | $2,694,000 | $73,000 | $504,000 |
| Home Improvement | 50 | $920,000 | $18,000 | $351,000 | $45,000 | $209,000 |
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 | 298 | $19,001,000 | $63,000 | $1,134,000 | $57,000 | $385,000 |
| Not applicable | 12 | $6,539,000 | $544,000 | $2,694,000 | $0 | $0 |
| Asian | 2 | $1,053,000 | $526,000 | $786,000 | $480,000 | $504,000 |
| Hispanic | 1 | $31,000 | $31,000 | $31,000 | $42,000 | $42,000 |
| Not Provided | 1 | $6,000 | $6,000 | $6,000 | $25,000 | $25,000 |
| American Indian or Alaskan Native | 1 | $20,000 | $20,000 | $20,000 | $34,000 | $34,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 315 | $26,650,000 | $84,000 | $2,694,000 | $58,000 | $504,000 |
| 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 | 187 | $18,815,000 | $100,000 | $2,694,000 | $67,000 | $504,000 |
| Application Denied By Financial Institution | 83 | $5,843,000 | $70,000 | $885,000 | $35,000 | $122,000 |
| Application Approved But Not Accepted | 43 | $1,854,000 | $43,000 | $265,000 | $63,000 | $385,000 |
| Application Withdrawn By Applicant | 2 | $138,000 | $69,000 | $120,000 | $47,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 49 | $2,204,000 | $44,000 | $177,000 | $37,000 | $122,000 |
| Debt-To-Income Ratio | 26 | $2,377,000 | $91,000 | $450,000 | $31,000 | $73,000 |
| Employment History | 4 | $957,000 | $239,000 | $885,000 | $14,000 | $25,000 |
| Collateral | 2 | $171,000 | $85,000 | $105,000 | $37,000 | $43,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $28,000 | $28,000 |
| Unverifiable Information | 1 | $114,000 | $114,000 | $114,000 | $100,000 | $100,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Guaranty Bank's 2008 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 Guaranty Bank'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.