Community Trust Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Community Trust Bank, Inc. 2009 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 | 5,993 |
| Total Mortgage Loan Application Amount | $570,366,000 |
| Average Mortgage Loan Application Amount | $78,333 |
| Highest Mortgage Loan Application Amount | $3,800,000 |
| Average Applicant Income | $67,666 |
| Highest Applicant Income | $4,623,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 1,148 | $ 100,512,000 | $ 87,000 | $ 72,000 |
| Letcher County Kentucky | 379 | $ 19,028,000 | $ 50,000 | $ 64,000 |
| Floyd County Kentucky | 359 | $ 35,582,000 | $ 99,000 | $ 83,000 |
| Perry County Kentucky | 336 | $ 30,420,000 | $ 90,000 | $ 77,000 |
| Fayette County Kentucky | 322 | $ 51,632,000 | $ 160,000 | $ 126,000 |
| Whitley County Kentucky | 205 | $ 12,884,000 | $ 62,000 | $ 63,000 |
| Boyd County Kentucky | 187 | $ 20,788,000 | $ 111,000 | $ 85,000 |
| Mingo County West Virginia | 170 | $ 10,853,000 | $ 63,000 | $ 68,000 |
| Knott County Kentucky | 159 | $ 11,565,000 | $ 72,000 | $ 59,000 |
| Bell County Kentucky | 158 | $ 11,278,000 | $ 71,000 | $ 57,000 |
| Pulaski County Kentucky | 157 | $ 16,684,000 | $ 106,000 | $ 66,000 |
| Taylor County Kentucky | 143 | $ 13,400,000 | $ 93,000 | $ 58,000 |
| Fleming County Kentucky | 140 | $ 8,671,000 | $ 61,000 | $ 59,000 |
| Clark County Kentucky | 135 | $ 13,844,000 | $ 102,000 | $ 59,000 |
| Madison County Kentucky | 122 | $ 15,879,000 | $ 130,000 | $ 87,000 |
| Green County Kentucky | 119 | $ 11,637,000 | $ 97,000 | $ 58,000 |
| Rockcastle County Kentucky | 113 | $ 9,914,000 | $ 87,000 | $ 54,000 |
| Laurel County Kentucky | 109 | $ 10,045,000 | $ 92,000 | $ 63,000 |
| Marion County Kentucky | 94 | $ 8,606,000 | $ 91,000 | $ 52,000 |
| Montgomery County Kentucky | 84 | $ 7,047,000 | $ 83,000 | $ 50,000 |
| Greenup County Kentucky | 83 | $ 8,475,000 | $ 102,000 | $ 82,000 |
| Johnson County Kentucky | 81 | $ 9,163,000 | $ 113,000 | $ 71,000 |
| Boyle County Kentucky | 76 | $ 9,498,000 | $ 124,000 | $ 81,000 |
| Mercer County Kentucky | 59 | $ 5,753,000 | $ 97,000 | $ 73,000 |
| Woodford County Kentucky | 55 | $ 8,149,000 | $ 148,000 | $ 78,000 |
| Claiborne County Tennessee | 51 | $ 5,197,000 | $ 101,000 | $ 69,000 |
| Breathitt County Kentucky | 41 | $ 3,511,000 | $ 85,000 | $ 58,000 |
| Scott County Kentucky | 40 | $ 5,296,000 | $ 132,000 | $ 67,000 |
| Lawrence County Kentucky | 39 | $ 3,098,000 | $ 79,000 | $ 85,000 |
| Franklin County Kentucky | 37 | $ 4,522,000 | $ 122,000 | $ 81,000 |
| Wayne County West Virginia | 34 | $ 2,014,000 | $ 59,000 | $ 51,000 |
| Adair County Kentucky | 33 | $ 2,438,000 | $ 73,000 | $ 56,000 |
| Lincoln County West Virginia | 30 | $ 2,166,000 | $ 72,000 | $ 68,000 |
| Jessamine County Kentucky | 29 | $ 5,098,000 | $ 175,000 | $ 89,000 |
| Buchanan County Virginia | 29 | $ 3,615,000 | $ 124,000 | $ 79,000 |
| Leslie County Kentucky | 26 | $ 1,883,000 | $ 72,000 | $ 57,000 |
| Russell County Kentucky | 26 | $ 2,165,000 | $ 83,000 | $ 52,000 |
| Nicholas County West Virginia | 26 | $ 1,692,000 | $ 65,000 | $ 59,000 |
| Bath County Kentucky | 24 | $ 1,494,000 | $ 62,000 | $ 48,000 |
| Knox County Kentucky | 21 | $ 1,844,000 | $ 87,000 | $ 55,000 |
| Lincoln County Kentucky | 18 | $ 1,521,000 | $ 84,000 | $ 62,000 |
| Mason County Kentucky | 17 | $ 2,148,000 | $ 126,000 | $ 72,000 |
| Cabell County West Virginia | 17 | $ 2,365,000 | $ 139,000 | $ 91,000 |
| Harlan County Kentucky | 16 | $ 1,283,000 | $ 80,000 | $ 59,000 |
| Magoffin County Kentucky | 16 | $ 1,188,000 | $ 74,000 | $ 68,000 |
| Martin County Kentucky | 16 | $ 1,356,000 | $ 84,000 | $ 95,000 |
| Hamblen County Tennessee | 15 | $ 1,872,000 | $ 124,000 | $ 115,000 |
| Logan County West Virginia | 14 | $ 1,355,000 | $ 96,000 | $ 67,000 |
| Bourbon County Kentucky | 13 | $ 1,920,000 | $ 147,000 | $ 51,000 |
| Rowan County Kentucky | 13 | $ 1,419,000 | $ 109,000 | $ 53,000 |
| Campbell County Tennessee | 13 | $ 1,484,000 | $ 114,000 | $ 67,000 |
| Carter County Kentucky | 12 | $ 1,574,000 | $ 131,000 | $ 65,000 |
| Garrard County Kentucky | 12 | $ 1,366,000 | $ 113,000 | $ 53,000 |
| Nicholas County Kentucky | 12 | $ 1,315,000 | $ 109,000 | $ 84,000 |
| Lawrence County Ohio | 12 | $ 1,357,000 | $ 113,000 | $ 98,000 |
| Grainger County Tennessee | 12 | $ 1,330,000 | $ 110,000 | $ 120,000 |
| Casey County Kentucky | 11 | $ 844,000 | $ 76,000 | $ 58,000 |
| Powell County Kentucky | 11 | $ 1,337,000 | $ 121,000 | $ 67,000 |
| Lee County Virginia | 11 | $ 894,000 | $ 81,000 | $ 65,000 |
| Harrison County Kentucky | 10 | $ 844,000 | $ 84,000 | $ 55,000 |
| Jefferson County Kentucky | 10 | $ 4,752,000 | $ 475,000 | $ 122,000 |
| Menifee County Kentucky | 10 | $ 850,000 | $ 85,000 | $ 53,000 |
| Dickenson County Virginia | 10 | $ 983,000 | $ 98,000 | $ 64,000 |
| Kanawha County West Virginia | 10 | $ 1,218,000 | $ 121,000 | $ 377,000 |
| Anderson County Kentucky | 9 | $ 1,644,000 | $ 182,000 | $ 47,000 |
| Sevier County Tennessee | 9 | $ 868,000 | $ 96,000 | $ 108,000 |
| Clay County Kentucky | 8 | $ 704,000 | $ 88,000 | $ 54,000 |
| McCreary County Kentucky | 8 | $ 607,000 | $ 75,000 | $ 54,000 |
| Adams County Ohio | 8 | $ 1,189,000 | $ 148,000 | $ 59,000 |
| Lewis County Kentucky | 7 | $ 538,000 | $ 76,000 | $ 41,000 |
| Jackson County Kentucky | 6 | $ 525,000 | $ 87,000 | $ 57,000 |
| Morgan County Kentucky | 6 | $ 714,000 | $ 119,000 | $ 58,000 |
| Jefferson County Tennessee | 6 | $ 529,000 | $ 88,000 | $ 100,000 |
| Cumberland County Kentucky | 5 | $ 532,000 | $ 106,000 | $ 86,000 |
| Hart County Kentucky | 5 | $ 504,000 | $ 100,000 | $ 48,000 |
| Wolfe County Kentucky | 5 | $ 738,000 | $ 147,000 | $ 102,000 |
| Orange County Florida | 4 | $ 630,000 | $ 157,000 | $ 425,000 |
| Nelson County Kentucky | 4 | $ 577,000 | $ 144,000 | $ 114,000 |
| Shelby County Kentucky | 4 | $ 464,000 | $ 116,000 | $ 296,000 |
| Boone County West Virginia | 4 | $ 259,000 | $ 64,000 | $ 63,000 |
| Bracken County Kentucky | 3 | $ 267,000 | $ 89,000 | $ 56,000 |
| Campbell County Kentucky | 3 | $ 1,167,000 | $ 389,000 | $ 170,000 |
| Clinton County Kentucky | 3 | $ 437,000 | $ 145,000 | $ 61,000 |
| Hardin County Kentucky | 3 | $ 392,000 | $ 130,000 | $ 49,000 |
| Robertson County Kentucky | 3 | $ 140,000 | $ 46,000 | $ 33,000 |
| Washington County Kentucky | 3 | $ 307,000 | $ 102,000 | $ 55,000 |
| Wayne County Kentucky | 3 | $ 239,000 | $ 79,000 | $ 49,000 |
| Horry County South Carolina | 3 | $ 722,000 | $ 240,000 | $ 52,000 |
| Anderson County Tennessee | 3 | $ 530,000 | $ 176,000 | $ 68,000 |
| Knox County Tennessee | 3 | $ 239,000 | $ 79,000 | $ 37,000 |
| Tazewell County Virginia | 3 | $ 143,000 | $ 47,000 | $ 61,000 |
| Wise County Virginia | 3 | $ 375,000 | $ 125,000 | $ 93,000 |
| Baldwin County Alabama | 2 | $ 497,000 | $ 248,000 | $ 54,000 |
| Harrison County Indiana | 2 | $ 234,000 | $ 117,000 | $ 42,000 |
| Boone County Kentucky | 2 | $ 286,000 | $ 143,000 | $ 115,000 |
| Grant County Kentucky | 2 | $ 215,000 | $ 107,000 | $ 150,000 |
| Metcalfe County Kentucky | 2 | $ 265,000 | $ 132,000 | $ 84,000 |
| Warren County Kentucky | 2 | $ 236,000 | $ 118,000 | $ 199,000 |
| Butler County Ohio | 2 | $ 288,000 | $ 144,000 | $ 27,000 |
| Hamilton County Ohio | 2 | $ 471,000 | $ 235,000 | $ 139,000 |
| Pike County Ohio | 2 | $ 182,000 | $ 91,000 | $ 54,000 |
| Beaufort County South Carolina | 2 | $ 827,000 | $ 413,000 | $ 618,000 |
| Cumberland County Tennessee | 2 | $ 236,000 | $ 118,000 | $ 58,000 |
| Hawkins County Tennessee | 2 | $ 202,000 | $ 101,000 | $ 82,000 |
| Washington County Virginia | 2 | $ 311,000 | $ 155,000 | $ 95,000 |
| Mercer County West Virginia | 2 | $ 209,000 | $ 104,000 | $ 78,000 |
| Putnam County West Virginia | 2 | $ 302,000 | $ 151,000 | $ 121,000 |
| Covington County Alabama | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| White County Arkansas | 1 | $ 48,000 | $ 48,000 | $ 60,000 |
| Larimer County Colorado | 1 | $ 187,000 | $ 187,000 | $ 122,000 |
| Hillsborough County Florida | 1 | $ 202,000 | $ 202,000 | $ 47,000 |
| Pasco County Florida | 1 | $ 116,000 | $ 116,000 | $ 48,000 |
| Sumter County Florida | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Volusia County Florida | 1 | $ 85,000 | $ 85,000 | $ 15,000 |
| Jefferson County Indiana | 1 | $ 77,000 | $ 77,000 | $ 58,000 |
| Steuben County Indiana | 1 | $ 181,000 | $ 181,000 | $ 255,000 |
| Graves County Kentucky | 1 | $ 417,000 | $ 417,000 | $ 369,000 |
| Larue County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 63,000 |
| Lee County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 172,000 |
| Marshall County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 73,000 |
| Pendleton County Kentucky | 1 | $ 380,000 | $ 380,000 | $ 184,000 |
| Wayne County Michigan | 1 | $ 20,000 | $ 20,000 | $ 11,000 |
| DeSoto County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Chatham County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 60,000 |
| Durham County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 51,000 |
| Iredell County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 84,000 |
| Brown County Ohio | 1 | $ 96,000 | $ 96,000 | $ 29,000 |
| Clermont County Ohio | 1 | $ 62,000 | $ 62,000 | $ 27,000 |
| Coshocton County Ohio | 1 | $ 104,000 | $ 104,000 | $ 132,000 |
| Montgomery County Ohio | 1 | $ 47,000 | $ 47,000 | $ 41,000 |
| Warren County Ohio | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Charleston County South Carolina | 1 | $ 282,000 | $ 282,000 | $ 130,000 |
| Blount County Tennessee | 1 | $ 79,000 | $ 79,000 | $ 35,000 |
| Clay County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Hamilton County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 720,000 |
| Jackson County Tennessee | 1 | $ 14,000 | $ 14,000 | $ 29,000 |
| Rutherford County Tennessee | 1 | $ 184,000 | $ 184,000 | $ 72,000 |
| Scott County Tennessee | 1 | $ 176,000 | $ 176,000 | $ 54,000 |
| Sullivan County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Washington County Tennessee | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Caroline County Virginia | 1 | $ 3,000 | $ 3,000 | $ 72,000 |
| Russell County Virginia | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Clay County West Virginia | 1 | $ 72,000 | $ 72,000 | $ 105,000 |
| Greenbrier County West Virginia | 1 | $ 156,000 | $ 156,000 | $ 300,000 |
| Monongalia County West Virginia | 1 | $ 166,000 | $ 166,000 | $ 162,000 |
| Webster County West Virginia | 1 | $ 6,000 | $ 6,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Community Trust Bank, Inc. 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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,584 | $423,454,000 | $118,000 | $3,800,000 | $82,000 | $4,623,000 |
| Home Purchase | 1,283 | $123,223,000 | $96,000 | $1,175,000 | $72,000 | $1,438,000 |
| Home Improvement | 1,126 | $23,689,000 | $21,000 | $490,000 | $49,000 | $876,000 |
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 | 5,740 | $530,615,000 | $92,000 | $1,304,000 | $72,000 | $3,240,000 |
| Not applicable | 71 | $15,550,000 | $219,000 | $3,800,000 | $0 | $0 |
| Black or African American | 71 | $7,080,000 | $99,000 | $331,000 | $73,000 | $1,032,000 |
| Hispanic | 52 | $4,222,000 | $81,000 | $417,000 | $72,000 | $769,000 |
| Asian | 36 | $7,786,000 | $216,000 | $995,000 | $219,000 | $1,433,000 |
| Not Provided | 14 | $3,793,000 | $270,000 | $1,796,000 | $597,000 | $4,623,000 |
| American Indian or Alaskan Native | 5 | $743,000 | $148,000 | $352,000 | $94,000 | $166,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $577,000 | $144,000 | $240,000 | $227,000 | $425,000 |
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) | 5,993 | $570,366,000 | $95,000 | $3,800,000 | $73,000 | $4,623,000 |
| 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 | 3,896 | $370,795,000 | $95,000 | $1,304,000 | $75,000 | $1,603,000 |
| Application Denied By Financial Institution | 1,308 | $110,850,000 | $84,000 | $3,800,000 | $64,000 | $4,623,000 |
| Application Approved But Not Accepted | 537 | $59,054,000 | $109,000 | $980,000 | $72,000 | $1,200,000 |
| Application Withdrawn By Applicant | 252 | $29,667,000 | $117,000 | $711,000 | $102,000 | $3,240,000 |
| 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 | 443 | $36,217,000 | $81,000 | $490,000 | $55,000 | $467,000 |
| Other | 325 | $6,761,000 | $20,000 | $550,000 | $39,000 | $208,000 |
| Collateral | 233 | $26,469,000 | $113,000 | $943,000 | $75,000 | $900,000 |
| Debt-To-Income Ratio | 182 | $23,088,000 | $126,000 | $1,796,000 | $73,000 | $4,623,000 |
| Credit Application Incomplete | 51 | $5,811,000 | $113,000 | $355,000 | $220,000 | $1,858,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 29 | $6,879,000 | $237,000 | $3,800,000 | $53,000 | $256,000 |
| Mortgage Insurance Denied | 19 | $2,742,000 | $144,000 | $232,000 | $83,000 | $210,000 |
| Unverifiable Information | 17 | $2,293,000 | $134,000 | $675,000 | $69,000 | $249,000 |
| Employment History | 9 | $590,000 | $65,000 | $145,000 | $51,000 | $128,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Trust Bank, Inc.'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 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.