Community Trust Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Community Trust Bank, Inc. 2004 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 | Community Trust Bank, Inc. 346 North Mayo Trail Pikeville, KY 41502 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 5,124 |
| Total Mortgage Loan Application Amount | $338,661,000 |
| Average Mortgage Loan Application Amount | $146,656 |
| Highest Mortgage Loan Application Amount | $2,435,000 |
| Average Applicant Income | $85,500 |
| Highest Applicant Income | $1,517,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Community Trust Bank, Inc.. 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 Community Trust Bank, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Community Trust Bank, Inc.'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 Community Trust Bank, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Community Trust Bank, Inc., 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 Community Trust Bank, Inc.'s mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pike County Kentucky | 730 | $ 40,502,000 | $ 55,000 | $ 47,000 |
| Letcher County Kentucky | 553 | $ 17,163,000 | $ 31,000 | $ 47,000 |
| Floyd County Kentucky | 275 | $ 16,229,000 | $ 59,000 | $ 60,000 |
| Whitley County Kentucky | 247 | $ 10,759,000 | $ 43,000 | $ 43,000 |
| Boyd County Kentucky | 198 | $ 15,774,000 | $ 79,000 | $ 49,000 |
| Perry County Kentucky | 189 | $ 10,425,000 | $ 55,000 | $ 42,000 |
| Fayette County Kentucky | 175 | $ 27,282,000 | $ 155,000 | $ 66,000 |
| Mingo County West Virginia | 152 | $ 9,009,000 | $ 59,000 | $ 43,000 |
| Bell County Kentucky | 151 | $ 7,408,000 | $ 49,000 | $ 37,000 |
| Fleming County Kentucky | 145 | $ 7,581,000 | $ 52,000 | $ 46,000 |
| Rockcastle County Kentucky | 140 | $ 6,750,000 | $ 48,000 | $ 41,000 |
| Knott County Kentucky | 137 | $ 5,858,000 | $ 42,000 | $ 34,000 |
| Laurel County Kentucky | 136 | $ 9,485,000 | $ 69,000 | $ 50,000 |
| Pulaski County Kentucky | 135 | $ 11,773,000 | $ 87,000 | $ 56,000 |
| Montgomery County Kentucky | 126 | $ 7,572,000 | $ 60,000 | $ 42,000 |
| Taylor County Kentucky | 117 | $ 8,761,000 | $ 74,000 | $ 45,000 |
| Madison County Kentucky | 104 | $ 11,739,000 | $ 112,000 | $ 55,000 |
| Clark County Kentucky | 101 | $ 7,583,000 | $ 75,000 | $ 58,000 |
| Marion County Kentucky | 99 | $ 8,448,000 | $ 85,000 | $ 45,000 |
| Green County Kentucky | 82 | $ 6,150,000 | $ 75,000 | $ 52,000 |
| Woodford County Kentucky | 75 | $ 8,394,000 | $ 111,000 | $ 74,000 |
| Lincoln County West Virginia | 59 | $ 2,392,000 | $ 40,000 | $ 42,000 |
| Greenup County Kentucky | 55 | $ 4,916,000 | $ 89,000 | $ 135,000 |
| Nicholas County West Virginia | 53 | $ 1,290,000 | $ 24,000 | $ 34,000 |
| Adair County Kentucky | 45 | $ 3,534,000 | $ 78,000 | $ 39,000 |
| Johnson County Kentucky | 42 | $ 3,125,000 | $ 74,000 | $ 47,000 |
| Mercer County Kentucky | 42 | $ 4,083,000 | $ 97,000 | $ 45,000 |
| Russell County Kentucky | 41 | $ 3,202,000 | $ 78,000 | $ 43,000 |
| Claiborne County Tennessee | 40 | $ 3,210,000 | $ 80,000 | $ 68,000 |
| Knox County Kentucky | 34 | $ 2,478,000 | $ 72,000 | $ 42,000 |
| Franklin County Kentucky | 32 | $ 3,657,000 | $ 114,000 | $ 26,000 |
| Lawrence County Kentucky | 29 | $ 1,870,000 | $ 64,000 | $ 44,000 |
| Breathitt County Kentucky | 28 | $ 2,131,000 | $ 76,000 | $ 45,000 |
| Harlan County Kentucky | 25 | $ 1,096,000 | $ 43,000 | $ 48,000 |
| Wayne County West Virginia | 23 | $ 1,196,000 | $ 52,000 | $ 44,000 |
| Lawrence County Ohio | 20 | $ 1,148,000 | $ 57,000 | $ 67,000 |
| Carter County Kentucky | 19 | $ 1,412,000 | $ 74,000 | $ 46,000 |
| Leslie County Kentucky | 19 | $ 670,000 | $ 35,000 | $ 43,000 |
| Jessamine County Kentucky | 18 | $ 2,651,000 | $ 147,000 | $ 70,000 |
| Logan County West Virginia | 17 | $ 1,298,000 | $ 76,000 | $ 51,000 |
| Anderson County Kentucky | 16 | $ 1,671,000 | $ 104,000 | $ 49,000 |
| Lewis County Kentucky | 16 | $ 1,093,000 | $ 68,000 | $ 57,000 |
| Martin County Kentucky | 16 | $ 931,000 | $ 58,000 | $ 44,000 |
| Mason County Kentucky | 16 | $ 1,134,000 | $ 70,000 | $ 41,000 |
| Bath County Kentucky | 14 | $ 821,000 | $ 58,000 | $ 41,000 |
| Bourbon County Kentucky | 14 | $ 1,313,000 | $ 93,000 | $ 96,000 |
| Magoffin County Kentucky | 14 | $ 763,000 | $ 54,000 | $ 44,000 |
| Scott County Kentucky | 14 | $ 1,650,000 | $ 117,000 | $ 65,000 |
| Boyle County Kentucky | 11 | $ 745,000 | $ 67,000 | $ 41,000 |
| Casey County Kentucky | 11 | $ 815,000 | $ 74,000 | $ 61,000 |
| McCreary County Kentucky | 11 | $ 987,000 | $ 89,000 | $ 47,000 |
| Menifee County Kentucky | 11 | $ 393,000 | $ 35,000 | $ 40,000 |
| Rowan County Kentucky | 11 | $ 596,000 | $ 54,000 | $ 43,000 |
| Jefferson County Kentucky | 10 | $ 1,291,000 | $ 129,000 | $ 51,000 |
| Campbell County Tennessee | 10 | $ 573,000 | $ 57,000 | $ 56,000 |
| Harrison County Kentucky | 9 | $ 511,000 | $ 56,000 | $ 48,000 |
| Lincoln County Kentucky | 9 | $ 533,000 | $ 59,000 | $ 50,000 |
| Nicholas County Kentucky | 9 | $ 439,000 | $ 48,000 | $ 51,000 |
| Wayne County Kentucky | 9 | $ 515,000 | $ 57,000 | $ 60,000 |
| Buchanan County Virginia | 9 | $ 441,000 | $ 49,000 | $ 42,000 |
| Lee County Virginia | 9 | $ 385,000 | $ 42,000 | $ 38,000 |
| Garrard County Kentucky | 8 | $ 649,000 | $ 81,000 | $ 52,000 |
| Clay County Kentucky | 7 | $ 351,000 | $ 50,000 | $ 52,000 |
| Jefferson County Tennessee | 7 | $ 1,222,000 | $ 174,000 | $ 115,000 |
| Washington County Kentucky | 6 | $ 551,000 | $ 91,000 | $ 51,000 |
| Wise County Virginia | 6 | $ 301,000 | $ 50,000 | $ 41,000 |
| Grainger County Tennessee | 5 | $ 337,000 | $ 67,000 | $ 71,000 |
| Cumberland County Kentucky | 4 | $ 276,000 | $ 69,000 | $ 32,000 |
| Jackson County Kentucky | 4 | $ 181,000 | $ 45,000 | $ 37,000 |
| Nelson County Kentucky | 4 | $ 524,000 | $ 131,000 | $ 60,000 |
| Powell County Kentucky | 4 | $ 1,049,000 | $ 262,000 | $ 60,000 |
| Charleston County South Carolina | 4 | $ 2,056,000 | $ 514,000 | $ 379,000 |
| Knox County Tennessee | 4 | $ 316,000 | $ 79,000 | $ 56,000 |
| Fayette County West Virginia | 4 | $ 53,000 | $ 13,000 | $ 34,000 |
| Kanawha County West Virginia | 4 | $ 549,000 | $ 137,000 | $ 47,000 |
| Clinton County Kentucky | 3 | $ 417,000 | $ 139,000 | $ 78,000 |
| Owen County Kentucky | 3 | $ 429,000 | $ 143,000 | $ 61,000 |
| Brown County Ohio | 3 | $ 136,000 | $ 45,000 | $ 106,000 |
| Horry County South Carolina | 3 | $ 909,000 | $ 303,000 | $ 76,000 |
| Palm Beach County Florida | 2 | $ 650,000 | $ 325,000 | $ 125,000 |
| Chatham County Georgia | 2 | $ 1,525,000 | $ 762,000 | $ 100,000 |
| Edmonson County Kentucky | 2 | $ 171,000 | $ 85,000 | $ 46,000 |
| Elliott County Kentucky | 2 | $ 185,000 | $ 92,000 | $ 57,000 |
| Estill County Kentucky | 2 | $ 112,000 | $ 56,000 | $ 49,000 |
| Larue County Kentucky | 2 | $ 177,000 | $ 88,000 | $ 57,000 |
| Lee County Kentucky | 2 | $ 102,000 | $ 51,000 | $ 28,000 |
| Morgan County Kentucky | 2 | $ 148,000 | $ 74,000 | $ 37,000 |
| Robertson County Kentucky | 2 | $ 24,000 | $ 12,000 | $ 24,000 |
| Wolfe County Kentucky | 2 | $ 212,000 | $ 106,000 | $ 115,000 |
| Scioto County Ohio | 2 | $ 197,000 | $ 98,000 | $ 55,000 |
| Union County Tennessee | 2 | $ 202,000 | $ 101,000 | $ 85,000 |
| Scott County Virginia | 2 | $ 99,000 | $ 49,000 | $ 30,000 |
| Cabell County West Virginia | 2 | $ 7,000 | $ 3,000 | $ 48,000 |
| Greenbrier County West Virginia | 2 | $ 21,000 | $ 10,000 | $ 77,000 |
| Baldwin County Alabama | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 63,000 | $ 63,000 | $ 37,000 |
| San Diego County California | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Collier County Florida | 1 | $ 141,000 | $ 141,000 | $ 250,000 |
| Monroe County Florida | 1 | $ 885,000 | $ 885,000 | $ 782,000 |
| Newton County Georgia | 1 | $ 113,000 | $ 113,000 | $ 33,000 |
| Lake County Illinois | 1 | $ 275,000 | $ 275,000 | $ 400,000 |
| Jasper County Indiana | 1 | $ 11,000 | $ 11,000 | $ 60,000 |
| Jennings County Indiana | 1 | $ 154,000 | $ 154,000 | $ 74,000 |
| Boone County Kentucky | 1 | $ 247,000 | $ 247,000 | $ 75,000 |
| Bracken County Kentucky | 1 | $ 29,000 | $ 29,000 | $ 49,000 |
| Campbell County Kentucky | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Carroll County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 39,000 |
| Grant County Kentucky | 1 | $ 13,000 | $ 13,000 | $ 27,000 |
| Hart County Kentucky | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| McLean County Kentucky | 1 | $ 126,000 | $ 126,000 | $ 52,000 |
| Metcalfe County Kentucky | 1 | $ 24,000 | $ 24,000 | $ 9,000 |
| Oldham County Kentucky | 1 | $ 580,000 | $ 580,000 | $ 171,000 |
| Pendleton County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 20,000 |
| Shelby County Kentucky | 1 | $ 216,000 | $ 216,000 | $ 143,000 |
| Warren County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| Hancock County Mississippi | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| Forsyth County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 121,000 |
| Johnston County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Onslow County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Orange County North Carolina | 1 | $ 21,000 | $ 21,000 | $ 35,000 |
| Adams County Ohio | 1 | $ 64,000 | $ 64,000 | $ 46,000 |
| Ashtabula County Ohio | 1 | $ 6,000 | $ 6,000 | $ 21,000 |
| Clermont County Ohio | 1 | $ 101,000 | $ 101,000 | $ 44,000 |
| Hamilton County Ohio | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Mahoning County Ohio | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Marion County Ohio | 1 | $ 63,000 | $ 63,000 | $ 23,000 |
| Montgomery County Ohio | 1 | $ 30,000 | $ 30,000 | $ 99,000 |
| Beaufort County South Carolina | 1 | $ 121,000 | $ 121,000 | $ 101,000 |
| Georgetown County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 119,000 |
| Spartanburg County South Carolina | 1 | $ 127,000 | $ 127,000 | $ 60,000 |
| Clay County Tennessee | 1 | $ 24,000 | $ 24,000 | $ 41,000 |
| Davidson County Tennessee | 1 | $ 198,000 | $ 198,000 | $ 91,000 |
| Hamilton County Tennessee | 1 | $ 320,000 | $ 320,000 | $ 87,000 |
| Hardin County Tennessee | 1 | $ 61,000 | $ 61,000 | $ 75,000 |
| Hawkins County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Rutherford County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 39,000 |
| Sevier County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 177,000 |
| Sullivan County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 33,000 |
| Russell County Virginia | 1 | $ 46,000 | $ 46,000 | $ 89,000 |
| Spotsylvania County Virginia | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Boone County West Virginia | 1 | $ 84,000 | $ 84,000 | $ 55,000 |
| Clay County West Virginia | 1 | $ 24,000 | $ 24,000 | $ 15,000 |
| McDowell County West Virginia | 1 | $ 44,000 | $ 44,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Community Trust Bank, Inc. in 2004
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 | 2,398 | $200,927,000 | $180,642 | $2,435,000 | $81,928 | $945,000 |
| Home Purchase | 1,560 | $126,026,000 | $174,250 | $1,250,000 | $105,750 | $1,517,000 |
| Home Improvement | 1,166 | $11,708,000 | $12,166 | $800,000 | $53,333 | $999,000 |
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 | 4,876 | $312,585,000 | $170,000 | $2,435,000 | $98,933 | $1,517,000 |
| Not Provided | 108 | $11,109,000 | $132,625 | $750,000 | $91,875 | $382,000 |
| Not applicable | 55 | $8,670,000 | $191,250 | $814,000 | $2,000 | $176,000 |
| Black or African American | 53 | $3,230,000 | $31,666 | $334,000 | $64,333 | $945,000 |
| Hispanic | 19 | $1,279,000 | $63,500 | $200,000 | $54,500 | $200,000 |
| Asian | 10 | $1,609,000 | $160,000 | $392,000 | $88,000 | $240,000 |
| American Indian or Alaskan Native | 2 | $128,000 | $64,000 | $99,000 | $40,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $51,000 | $51,000 | $51,000 | $40,000 | $40,000 |
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) | 5,119 | $337,932,000 | $169,733 | $2,435,000 | $101,933 | $1,517,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $525,000 | $175,000 | $440,000 | $93,000 | $209,000 |
| FHA-insured (Federal Housing Administration) | 2 | $204,000 | $102,000 | $200,000 | $108,000 | $200,000 |
| 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 | 4,168 | $276,224,000 | $175,666 | $2,435,000 | $105,133 | $1,517,000 |
| Application Denied By Financial Institution | 592 | $33,511,000 | $50,833 | $329,000 | $41,333 | $209,000 |
| Application Approved But Not Accepted | 256 | $20,647,000 | $87,571 | $521,000 | $77,285 | $945,000 |
| Application Withdrawn By Applicant | 95 | $7,218,000 | $78,333 | $557,000 | $63,000 | $172,000 |
| File Closed For Incompleteness | 13 | $1,061,000 | $81,000 | $208,000 | $48,000 | $152,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 252 | $16,025,000 | $55,166 | $327,000 | $41,333 | $173,000 |
| Debt-To-Income Ratio | 82 | $7,440,000 | $75,750 | $209,000 | $30,750 | $209,000 |
| Collateral | 37 | $2,849,000 | $83,000 | $329,000 | $66,000 | $185,000 |
| Other | 30 | $2,241,000 | $87,000 | $296,000 | $39,666 | $88,000 |
| Credit Application Incomplete | 23 | $1,977,000 | $79,500 | $166,000 | $48,000 | $94,000 |
| Employment History | 5 | $325,000 | $65,000 | $106,000 | $40,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $384,000 | $96,000 | $215,000 | $26,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Trust Bank, Inc.'s 2004 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.