Community Trust Bank, Inc. Mortgage Lending & HMDA Data, 2025

In 2025, Community Trust Bank, Inc. of Pikeville, KY reported 3,106 mortgage applications totaling $625.1 million, up 8% from 2024. The average application was for $201,239, and applicants reported an average income of $123,468. 78% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Lexington-Fayette, KY (330), Huntington-Ashland, WV-KY-OH (186) and Knoxville, TN (164) (applications in parentheses).

Mortgage Company & Address Community Trust Bank, Inc.
346 North Mayo Trail
Pikeville, KY 41502
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 3,106
Total Mortgage Loan Application Amount $625,050,000
Average Mortgage Loan Application Amount $201,239
Highest Mortgage Loan Application Amount $17,565,000
Average Applicant Income $123,468
Highest Applicant Income $2,872,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community Trust Bank, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Community Trust Bank, Inc. by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pike, Kentucky 275 $ 45,715,000 $ 166,236 $ 138,000
Whitley, Kentucky 148 $ 20,490,000 $ 138,445 $ 96,000
Fayette, Kentucky 136 $ 63,840,000 $ 469,411 $ 191,000
Laurel, Kentucky 129 $ 23,135,000 $ 179,341 $ 120,000
Floyd, Kentucky 95 $ 10,025,000 $ 105,526 $ 106,000
Madison, Kentucky 94 $ 19,760,000 $ 210,212 $ 146,000
Fleming, Kentucky 92 $ 13,200,000 $ 143,478 $ 99,000
Pulaski, Kentucky 92 $ 15,670,000 $ 170,326 $ 99,000
Campbell, Tennessee 90 $ 22,340,000 $ 248,222 $ 159,000
Taylor, Kentucky 83 $ 12,825,000 $ 154,518 $ 96,000
Letcher, Kentucky 72 $ 7,580,000 $ 105,277 $ 92,000
Green, Kentucky 63 $ 5,865,000 $ 93,095 $ 77,000
Rockcastle, Kentucky 63 $ 6,705,000 $ 106,428 $ 78,000
Montgomery, Kentucky 60 $ 7,860,000 $ 131,000 $ 84,000
Boyd, Kentucky 58 $ 8,480,000 $ 146,206 $ 110,000
Clark, Kentucky 57 $ 9,435,000 $ 165,526 $ 103,000
Perry, Kentucky 54 $ 7,630,000 $ 141,296 $ 122,000
Johnson, Kentucky 52 $ 9,280,000 $ 178,461 $ 112,000
Scott, Kentucky 51 $ 12,365,000 $ 242,450 $ 140,000
Boyle, Kentucky 48 $ 9,670,000 $ 201,458 $ 150,000
Woodford, Kentucky 46 $ 9,940,000 $ 216,086 $ 140,000
Adair, Kentucky 45 $ 8,875,000 $ 197,222 $ 96,000
Knott, Kentucky 45 $ 7,915,000 $ 175,888 $ 128,000
Knox, Kentucky 45 $ 7,585,000 $ 168,555 $ 89,000
Franklin, Kentucky 44 $ 8,280,000 $ 188,181 $ 120,000
Mercer, Kentucky 40 $ 7,310,000 $ 182,750 $ 129,000
Mingo, West Virginia 39 $ 4,095,000 $ 105,000 $ 92,000
Russell, Kentucky 38 $ 6,250,000 $ 164,473 $ 159,000
Bell, Kentucky 37 $ 5,305,000 $ 143,378 $ 77,000
Greenup, Kentucky 35 $ 4,475,000 $ 127,857 $ 135,000
Marion, Kentucky 31 $ 5,245,000 $ 169,193 $ 93,000
Cabell, West Virginia 31 $ 4,755,000 $ 153,387 $ 123,000
Anderson, Tennessee 29 $ 8,095,000 $ 279,137 $ 160,000
Claiborne, Tennessee 29 $ 5,025,000 $ 173,275 $ 77,000
Jessamine, Kentucky 23 $ 12,685,000 $ 551,521 $ 248,000
Anderson, Kentucky 22 $ 6,070,000 $ 275,909 $ 121,000
Hardin, Kentucky 22 $ 4,360,000 $ 198,181 $ 149,000
Powell, Kentucky 21 $ 3,855,000 $ 183,571 $ 112,000
Knox, Tennessee 20 $ 14,180,000 $ 709,000 $ 305,000
Lewis, Kentucky 19 $ 3,195,000 $ 168,157 $ 108,000
Nicholas, West Virginia 19 $ 3,095,000 $ 162,894 $ 105,000
Wayne, West Virginia 19 $ 2,965,000 $ 156,052 $ 84,000
Lawrence, Kentucky 18 $ 3,930,000 $ 218,333 $ 107,000
Lincoln, Kentucky 18 $ 1,870,000 $ 103,888 $ 77,000
Magoffin, Kentucky 18 $ 3,300,000 $ 183,333 $ 115,000
Bourbon, Kentucky 17 $ 3,195,000 $ 187,941 $ 112,000
Lawrence, Ohio 17 $ 2,375,000 $ 139,705 $ 90,000
Garrard, Kentucky 16 $ 3,570,000 $ 223,125 $ 118,000
Bath, Kentucky 13 $ 1,955,000 $ 150,384 $ 84,000
Clay, Kentucky 13 $ 2,465,000 $ 189,615 $ 94,000
Hamilton, Ohio 13 $ 4,315,000 $ 331,923 $ 131,000
Boone, Kentucky 12 $ 2,700,000 $ 225,000 $ 201,000
Mason, Kentucky 12 $ 2,640,000 $ 220,000 $ 128,000
Grainger, Tennessee 12 $ 3,160,000 $ 263,333 $ 154,000
Sevier, Tennessee 12 $ 6,110,000 $ 509,166 $ 452,000
Lincoln, West Virginia 12 $ 1,610,000 $ 134,166 $ 86,000
Jefferson, Kentucky 11 $ 4,195,000 $ 381,363 $ 149,000
Harrison, Kentucky 10 $ 2,030,000 $ 203,000 $ 141,000
Jackson, Kentucky 10 $ 1,340,000 $ 134,000 $ 75,000
Pendleton, Kentucky 10 $ 2,930,000 $ 293,000 $ 102,000
Washington, Kentucky 10 $ 2,320,000 $ 232,000 $ 111,000
Kanawha, West Virginia 10 $ 1,630,000 $ 163,000 $ 96,000
Harlan, Kentucky 9 $ 805,000 $ 89,444 $ 111,000
Larue, Kentucky 9 $ 1,605,000 $ 178,333 $ 219,000
McCreary, Kentucky 9 $ 675,000 $ 75,000 $ 74,000
Rowan, Kentucky 9 $ 2,115,000 $ 235,000 $ 100,000
Jefferson, Tennessee 9 $ 14,295,000 $ 1,588,333 $ 265,000
Logan, West Virginia 9 $ 1,095,000 $ 121,666 $ 77,000
Bracken, Kentucky 8 $ 2,370,000 $ 296,250 $ 154,000
Breathitt, Kentucky 8 $ 1,090,000 $ 136,250 $ 110,000
Nelson, Kentucky 8 $ 2,010,000 $ 251,250 $ 109,000
Nicholas, Kentucky 8 $ 980,000 $ 122,500 $ 83,000
Wayne, Kentucky 8 $ 1,280,000 $ 160,000 $ 142,000
Casey, Kentucky 7 $ 1,145,000 $ 163,571 $ 69,000
Leslie, Kentucky 7 $ 625,000 $ 89,285 $ 96,000
Bullitt, Kentucky 6 $ 780,000 $ 130,000 $ 91,000
Martin, Kentucky 6 $ 990,000 $ 165,000 $ 119,000
Meade, Kentucky 6 $ 1,170,000 $ 195,000 $ 96,000
Shelby, Kentucky 6 $ 2,660,000 $ 443,333 $ 161,000
Buchanan, Virginia 6 $ 460,000 $ 76,666 $ 94,000
Campbell, Kentucky 5 $ 985,000 $ 197,000 $ 157,000
Carter, Kentucky 5 $ 965,000 $ 193,000 $ 81,000
Grayson, Kentucky 5 $ 1,145,000 $ 229,000 $ 109,000
Hart, Kentucky 5 $ 625,000 $ 125,000 $ 88,000
Owen, Kentucky 5 $ 995,000 $ 199,000 $ 91,000
Brown, Ohio 5 $ 815,000 $ 163,000 $ 103,000
Blount, Tennessee 5 $ 1,085,000 $ 217,000 $ 163,000
Hamblen, Tennessee 5 $ 3,525,000 $ 705,000 $ 108,000
Dickenson, Virginia 5 $ 455,000 $ 91,000 $ 64,000
Cumberland, Kentucky 4 $ 600,000 $ 150,000 $ 91,000
Estill, Kentucky 4 $ 1,050,000 $ 262,500 $ 132,000
Kenton, Kentucky 4 $ 1,780,000 $ 445,000 $ 261,000
Metcalfe, Kentucky 4 $ 530,000 $ 132,500 $ 57,000
Owsley, Kentucky 4 $ 650,000 $ 162,500 $ 153,000
Warren, Kentucky 4 $ 600,000 $ 150,000 $ 147,000
Lee, Virginia 4 $ 460,000 $ 115,000 $ 107,000
Barren, Kentucky 3 $ 5,135,000 $ 1,711,666 $ 83,000
Elliott, Kentucky 3 $ 935,000 $ 311,666 $ 131,000
Grant, Kentucky 3 $ 845,000 $ 281,666 $ 408,000
Robertson, Kentucky 3 $ 355,000 $ 118,333 $ 93,000
Wolfe, Kentucky 3 $ 1,105,000 $ 368,333 $ 132,000
Adams, Ohio 3 $ 1,015,000 $ 338,333 $ 123,000
Davidson, Tennessee 3 $ 1,195,000 $ 398,333 $ 116,000
Roane, Tennessee 3 $ 1,625,000 $ 541,666 $ 185,000
Union, Tennessee 3 $ 1,215,000 $ 405,000 $ 421,000
Boone, West Virginia 3 $ 475,000 $ 158,333 $ 76,000
Fayette, West Virginia 3 $ 825,000 $ 275,000 $ 118,000
Greenbrier, West Virginia 3 $ 715,000 $ 238,333 $ 134,000
Putnam, West Virginia 3 $ 615,000 $ 205,000 $ 87,000
Manatee, Florida 2 $ 1,290,000 $ 645,000 $ 305,000
Pinellas, Florida 2 $ 800,000 $ 400,000 $ 242,000
Harrison, Indiana 2 $ 220,000 $ 110,000 $ 84,000
Breckinridge, Kentucky 2 $ 520,000 $ 260,000 $ 92,000
Clinton, Kentucky 2 $ 610,000 $ 305,000 $ 87,000
Lee, Kentucky 2 $ 260,000 $ 130,000 $ 108,000
Menifee, Kentucky 2 $ 130,000 $ 65,000 $ 133,000
Morgan, Kentucky 2 $ 440,000 $ 220,000 $ 240,000
Spencer, Kentucky 2 $ 580,000 $ 290,000 $ 32,000
Hawkins, Tennessee 2 $ 460,000 $ 230,000 $ 232,000
Loudon, Tennessee 2 $ 1,100,000 $ 550,000 $ 189,000
Scott, Tennessee 2 $ 430,000 $ 215,000 $ 77,000
Mason, West Virginia 2 $ 420,000 $ 210,000 $ 104,000
Mercer, West Virginia 2 $ 530,000 $ 265,000 $ 120,000
Raleigh, West Virginia 2 $ 320,000 $ 160,000 $ 114,000
Bay, Florida 1 $ 205,000 $ 205,000 $ 181,000
Brevard, Florida 1 $ 335,000 $ 335,000 $ 84,000
Charlotte, Florida 1 $ 945,000 $ 945,000 $ 1,895,000
Lee, Florida 1 $ 335,000 $ 335,000 $ 159,000
Palm Beach, Florida 1 $ 485,000 $ 485,000 $ 180,000
Volusia, Florida 1 $ 55,000 $ 55,000 $ 183,000
Walton, Florida 1 $ 1,405,000 $ 1,405,000 $ 549,000
Clark, Indiana 1 $ 115,000 $ 115,000 $ 136,000
Dearborn, Indiana 1 $ 435,000 $ 435,000 $ 0
Decatur, Indiana 1 $ 325,000 $ 325,000 $ 0
Floyd, Indiana 1 $ 85,000 $ 85,000 $ 0
St. Joseph, Indiana 1 $ 75,000 $ 75,000 $ 115,000
Carroll, Kentucky 1 $ 265,000 $ 265,000 $ 87,000
Daviess, Kentucky 1 $ 155,000 $ 155,000 $ 0
Edmonson, Kentucky 1 $ 175,000 $ 175,000 $ 147,000
Gallatin, Kentucky 1 $ 35,000 $ 35,000 $ 42,000
Graves, Kentucky 1 $ 325,000 $ 325,000 $ 0
Marshall, Kentucky 1 $ 165,000 $ 165,000 $ 235,000
Oldham, Kentucky 1 $ 475,000 $ 475,000 $ 0
Trimble, Kentucky 1 $ 245,000 $ 245,000 $ 89,000
Anne Arundel, Maryland 1 $ 205,000 $ 205,000 $ 154,000
Brunswick, North Carolina 1 $ 205,000 $ 205,000 $ 185,000
Guilford, North Carolina 1 $ 275,000 $ 275,000 $ 0
Auglaize, Ohio 1 $ 685,000 $ 685,000 $ 492,000
Belmont, Ohio 1 $ 355,000 $ 355,000 $ 124,000
Butler, Ohio 1 $ 1,115,000 $ 1,115,000 $ 0
Clermont, Ohio 1 $ 275,000 $ 275,000 $ 76,000
Montgomery, Ohio 1 $ 745,000 $ 745,000 $ 0
Scioto, Ohio 1 $ 105,000 $ 105,000 $ 110,000
Warren, Ohio 1 $ 565,000 $ 565,000 $ 0
Allegheny, Pennsylvania 1 $ 305,000 $ 305,000 $ 250,000
Dorchester, South Carolina 1 $ 65,000 $ 65,000 $ 509,000
Fentress, Tennessee 1 $ 235,000 $ 235,000 $ 255,000
Hancock, Tennessee 1 $ 155,000 $ 155,000 $ 76,000
Maury, Tennessee 1 $ 455,000 $ 455,000 $ 508,000
Monroe, Tennessee 1 $ 35,000 $ 35,000 $ 111,000
Montgomery, Tennessee 1 $ 705,000 $ 705,000 $ 140,000
Overton, Tennessee 1 $ 135,000 $ 135,000 $ 100,000
Polk, Tennessee 1 $ 75,000 $ 75,000 $ 87,000
Wilson, Tennessee 1 $ 755,000 $ 755,000 $ 205,000
Norton, Virginia 1 $ 25,000 $ 25,000 $ 35,000
Washington, Virginia 1 $ 155,000 $ 155,000 $ 137,000
Wise, Virginia 1 $ 165,000 $ 165,000 $ 55,000
Braxton, West Virginia 1 $ 25,000 $ 25,000 $ 136,000
Doddridge, West Virginia 1 $ 355,000 $ 355,000 $ 135,000
Jackson, West Virginia 1 $ 25,000 $ 25,000 $ 65,000
Pocahontas, West Virginia 1 $ 125,000 $ 125,000 $ 110,000
Roane, West Virginia 1 $ 135,000 $ 135,000 $ 73,000
Upshur, West Virginia 1 $ 55,000 $ 55,000 $ 227,000
Wood, West Virginia 1 $ 115,000 $ 115,000 $ 47,000
Wyoming, West Virginia 1 $ 135,000 $ 135,000 $ 99,000

Mortgage Loan Application Detail Totals for Community Trust Bank, Inc. in 2025

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 1,499 $403,905,000 $269,000 $17,565,000 $133,000 $2,872,000
Home Improvement 614 $52,150,000 $84,000 $1,115,000 $109,000 $1,794,000
Refinancing 580 $129,260,000 $222,000 $11,505,000 $123,000 $1,219,000
Other Purpose 395 $37,675,000 $95,000 $1,005,000 $112,000 $1,560,000
Cash-out Refinancing 18 $2,060,000 $114,000 $215,000 $90,000 $209,000
Not Applicable 0 $0 $0 $0 $0 $0

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 2,658 $470,950,000 $177,000 $3,505,000 $123,000 $2,872,000
Not Provided 176 $33,320,000 $189,000 $3,205,000 $127,000 $1,268,000
Not applicable 175 $99,405,000 $568,000 $17,565,000 $0 $0
Black or African American 36 $5,380,000 $149,000 $765,000 $83,000 $196,000
Hispanic 31 $5,345,000 $172,000 $395,000 $89,000 $236,000
Asian 25 $9,755,000 $390,000 $2,705,000 $247,000 $1,388,000
American Indian or Alaskan Native 5 $895,000 $179,000 $265,000 $84,000 $154,000
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) 3,106 $625,050,000 $201,000 $17,565,000 $123,000 $2,872,000
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 2,436 $514,990,000 $211,000 $17,565,000 $130,000 $2,872,000
Application Denied By Financial Institution 397 $51,195,000 $128,000 $3,205,000 $79,000 $952,000
Application Withdrawn By Applicant 259 $56,565,000 $218,000 $2,005,000 $137,000 $1,940,000
Application Approved But Not Accepted 14 $2,300,000 $164,000 $445,000 $116,000 $227,000
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
Not applicable 2,709 $573,855,000 $211,000 $17,565,000 $130,000 $2,872,000
Credit History 147 $12,565,000 $85,000 $505,000 $74,000 $602,000
Debt-To-Income Ratio 126 $21,320,000 $169,000 $3,205,000 $72,000 $952,000
Collateral 40 $5,940,000 $148,000 $435,000 $107,000 $740,000
Other 35 $4,045,000 $115,000 $645,000 $80,000 $205,000
Credit Application Incomplete 31 $5,365,000 $173,000 $505,000 $91,000 $258,000
Unverifiable Information 10 $1,030,000 $103,000 $305,000 $107,000 $263,000
Insufficient Cash (Downpayment, Closing Cost) 8 $930,000 $116,000 $275,000 $59,000 $93,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Trust Bank, Inc.'s 2025 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 Community Trust Bank, Inc.'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.
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