Citizens Nb of Paintsville Mortgage Lending & HMDA Data, 2009
In 2009, Citizens Nb of Paintsville of Paintsville, KY reported 1,085 mortgage applications totaling $107.9 million, up 31% from 2008. The average application was for $99,408, and applicants reported an average income of $74,349. 61% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (111), Lexington-Fayette, KY (53) and Charleston, WV (24) (applications in parentheses).
| Mortgage Company & Address | Citizens Nb of Paintsville Po Box 1488 Paintsville, KY 41240 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,085 |
| Total Mortgage Loan Application Amount | $107,858,000 |
| Average Mortgage Loan Application Amount | $99,408 |
| Highest Mortgage Loan Application Amount | $1,406,000 |
| Average Applicant Income | $74,349 |
| Highest Applicant Income | $720,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Nb of Paintsville filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 111 | $ 13,497,000 | $ 121,594 | $ 101,648 |
| Lexington-Fayette, KY | 53 | $ 7,799,000 | $ 147,150 | $ 89,000 |
| Charleston, WV | 24 | $ 1,283,000 | $ 53,458 | $ 48,000 |
| Morgantown, WV | 9 | $ 453,000 | $ 50,333 | $ 47,000 |
| Cincinnati-Middletown, OH-KY-IN | 8 | $ 378,000 | $ 47,250 | $ 40,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 349,000 | $ 58,166 | $ 59,000 |
| Louisville-Jefferson County, KY-IN | 6 | $ 505,000 | $ 84,166 | $ 53,000 |
| Owensboro, KY | 5 | $ 516,000 | $ 103,200 | $ 84,000 |
| Evansville, IN-KY | 4 | $ 214,000 | $ 53,500 | $ 42,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 844,000 | $ 422,000 | $ 496,000 |
| Clarksville, TN-KY | 1 | $ 54,000 | $ 54,000 | $ 34,000 |
| Elizabethtown, KY | 1 | $ 31,000 | $ 31,000 | $ 54,000 |
| Indianapolis-Carmel, IN | 1 | $ 136,000 | $ 136,000 | $ 65,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 87,000 | $ 87,000 | $ 123,000 |
| Memphis, TN-MS-AR | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 43,000 | $ 43,000 | $ 35,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 80,000 | $ 80,000 | $ 49,000 |
| Winchester, VA-WV | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Citizens Nb of Paintsville in 2009
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 | 568 | $44,025,000 | $77,000 | $680,000 | $67,000 | $720,000 |
| Refinancing | 474 | $62,669,000 | $132,000 | $1,406,000 | $86,000 | $624,000 |
| Home Improvement | 43 | $1,164,000 | $27,000 | $120,000 | $43,000 | $105,000 |
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 | 1,052 | $101,076,000 | $96,000 | $930,000 | $73,000 | $720,000 |
| Not Provided | 9 | $931,000 | $103,000 | $321,000 | $60,000 | $118,000 |
| Asian | 8 | $912,000 | $114,000 | $300,000 | $192,000 | $454,000 |
| Hispanic | 6 | $974,000 | $162,000 | $420,000 | $244,000 | $450,000 |
| Not applicable | 6 | $3,532,000 | $588,000 | $1,406,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $321,000 | $160,000 | $262,000 | $286,000 | $293,000 |
| Black or African American | 2 | $112,000 | $56,000 | $62,000 | $30,000 | $49,000 |
| 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) | 1,081 | $107,586,000 | $99,000 | $1,406,000 | $75,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 3 | $193,000 | $64,000 | $68,000 | $37,000 | $48,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $79,000 | $79,000 | $79,000 | $54,000 | $54,000 |
| 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 | 665 | $83,046,000 | $124,000 | $1,406,000 | $88,000 | $624,000 |
| Loan Purchased By The Institution | 327 | $16,507,000 | $50,000 | $168,000 | $52,000 | $720,000 |
| Application Denied By Financial Institution | 59 | $4,796,000 | $81,000 | $353,000 | $51,000 | $110,000 |
| Application Withdrawn By Applicant | 32 | $3,322,000 | $103,000 | $420,000 | $77,000 | $400,000 |
| Application Approved But Not Accepted | 2 | $187,000 | $93,000 | $129,000 | $97,000 | $100,000 |
| File Closed For Incompleteness | 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 | 32 | $2,038,000 | $63,000 | $188,000 | $51,000 | $110,000 |
| Debt-To-Income Ratio | 11 | $945,000 | $85,000 | $245,000 | $39,000 | $74,000 |
| Other | 8 | $687,000 | $85,000 | $196,000 | $52,000 | $110,000 |
| Collateral | 4 | $665,000 | $166,000 | $353,000 | $74,000 | $110,000 |
| Employment History | 2 | $116,000 | $58,000 | $60,000 | $55,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $169,000 | $169,000 | $169,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 1 | $176,000 | $176,000 | $176,000 | $59,000 | $59,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Nb of Paintsville's 2009 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 Nb of Paintsville'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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