Community Trust Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Community Trust Bank, Inc. 2012 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 | 4,921 |
| Total Mortgage Loan Application Amount | $477,406,000 |
| Average Mortgage Loan Application Amount | $93,666 |
| Highest Mortgage Loan Application Amount | $8,600,000 |
| Average Applicant Income | $71,666 |
| Highest Applicant Income | $3,240,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 934 | $ 80,809,000 | $ 86,000 | $ 72,000 |
| Letcher County Kentucky | 297 | $ 12,782,000 | $ 43,000 | $ 58,000 |
| Fayette County Kentucky | 271 | $ 48,751,000 | $ 179,000 | $ 111,000 |
| Floyd County Kentucky | 264 | $ 22,917,000 | $ 86,000 | $ 73,000 |
| Perry County Kentucky | 202 | $ 19,579,000 | $ 96,000 | $ 81,000 |
| Whitley County Kentucky | 181 | $ 11,011,000 | $ 60,000 | $ 56,000 |
| Boyd County Kentucky | 155 | $ 15,119,000 | $ 97,000 | $ 82,000 |
| Knott County Kentucky | 124 | $ 9,365,000 | $ 75,000 | $ 56,000 |
| Mingo County West Virginia | 123 | $ 6,615,000 | $ 53,000 | $ 67,000 |
| Pulaski County Kentucky | 122 | $ 11,420,000 | $ 93,000 | $ 61,000 |
| Fleming County Kentucky | 121 | $ 9,769,000 | $ 80,000 | $ 65,000 |
| Clark County Kentucky | 117 | $ 10,840,000 | $ 92,000 | $ 62,000 |
| Rockcastle County Kentucky | 115 | $ 9,211,000 | $ 80,000 | $ 52,000 |
| Bell County Kentucky | 107 | $ 6,940,000 | $ 64,000 | $ 55,000 |
| Madison County Kentucky | 105 | $ 14,674,000 | $ 139,000 | $ 79,000 |
| Taylor County Kentucky | 90 | $ 16,524,000 | $ 183,000 | $ 58,000 |
| Campbell County Tennessee | 88 | $ 5,448,000 | $ 61,000 | $ 57,000 |
| Laurel County Kentucky | 85 | $ 6,790,000 | $ 79,000 | $ 58,000 |
| Montgomery County Kentucky | 85 | $ 8,348,000 | $ 98,000 | $ 67,000 |
| Greenup County Kentucky | 79 | $ 9,059,000 | $ 114,000 | $ 96,000 |
| Green County Kentucky | 62 | $ 5,232,000 | $ 84,000 | $ 55,000 |
| Marion County Kentucky | 62 | $ 5,385,000 | $ 86,000 | $ 59,000 |
| Woodford County Kentucky | 61 | $ 7,429,000 | $ 121,000 | $ 68,000 |
| Boyle County Kentucky | 55 | $ 8,510,000 | $ 154,000 | $ 100,000 |
| Johnson County Kentucky | 55 | $ 7,093,000 | $ 128,000 | $ 89,000 |
| Lawrence County Kentucky | 54 | $ 5,029,000 | $ 93,000 | $ 73,000 |
| Russell County Kentucky | 46 | $ 4,560,000 | $ 99,000 | $ 56,000 |
| Mercer County Kentucky | 43 | $ 4,485,000 | $ 104,000 | $ 57,000 |
| Claiborne County Tennessee | 43 | $ 4,194,000 | $ 97,000 | $ 63,000 |
| Franklin County Kentucky | 39 | $ 4,635,000 | $ 118,000 | $ 79,000 |
| Adair County Kentucky | 37 | $ 4,121,000 | $ 111,000 | $ 59,000 |
| Wayne County West Virginia | 34 | $ 2,523,000 | $ 74,000 | $ 64,000 |
| Leslie County Kentucky | 33 | $ 2,497,000 | $ 75,000 | $ 58,000 |
| Knox County Kentucky | 28 | $ 1,890,000 | $ 67,000 | $ 54,000 |
| Scott County Kentucky | 27 | $ 4,235,000 | $ 156,000 | $ 195,000 |
| Jessamine County Kentucky | 26 | $ 6,180,000 | $ 237,000 | $ 100,000 |
| Buchanan County Virginia | 24 | $ 2,315,000 | $ 96,000 | $ 66,000 |
| Breathitt County Kentucky | 20 | $ 2,488,000 | $ 124,000 | $ 84,000 |
| Lincoln County Kentucky | 20 | $ 2,952,000 | $ 147,000 | $ 62,000 |
| Lawrence County Ohio | 18 | $ 2,313,000 | $ 128,000 | $ 76,000 |
| Nicholas County West Virginia | 17 | $ 778,000 | $ 45,000 | $ 55,000 |
| Bourbon County Kentucky | 16 | $ 2,449,000 | $ 153,000 | $ 70,000 |
| Martin County Kentucky | 16 | $ 2,030,000 | $ 126,000 | $ 83,000 |
| Harlan County Kentucky | 15 | $ 1,191,000 | $ 79,000 | $ 64,000 |
| Mason County Kentucky | 15 | $ 1,205,000 | $ 80,000 | $ 77,000 |
| Magoffin County Kentucky | 14 | $ 1,359,000 | $ 97,000 | $ 69,000 |
| Anderson County Tennessee | 14 | $ 1,506,000 | $ 107,000 | $ 60,000 |
| Knox County Tennessee | 14 | $ 1,812,000 | $ 129,000 | $ 90,000 |
| Anderson County Kentucky | 13 | $ 1,133,000 | $ 87,000 | $ 62,000 |
| Carter County Kentucky | 12 | $ 1,648,000 | $ 137,000 | $ 89,000 |
| Menifee County Kentucky | 12 | $ 802,000 | $ 66,000 | $ 49,000 |
| Jefferson County Tennessee | 12 | $ 1,682,000 | $ 140,000 | $ 163,000 |
| Lee County Virginia | 12 | $ 825,000 | $ 68,000 | $ 48,000 |
| Bath County Kentucky | 11 | $ 646,000 | $ 58,000 | $ 42,000 |
| Sevier County Tennessee | 11 | $ 1,689,000 | $ 153,000 | $ 115,000 |
| Lincoln County West Virginia | 11 | $ 521,000 | $ 47,000 | $ 51,000 |
| Jefferson County Kentucky | 10 | $ 2,771,000 | $ 277,000 | $ 73,000 |
| Nicholas County Kentucky | 10 | $ 871,000 | $ 87,000 | $ 75,000 |
| Rowan County Kentucky | 10 | $ 1,127,000 | $ 112,000 | $ 87,000 |
| Cabell County West Virginia | 10 | $ 635,000 | $ 63,000 | $ 124,000 |
| McCreary County Kentucky | 9 | $ 833,000 | $ 92,000 | $ 56,000 |
| Nelson County Kentucky | 8 | $ 1,120,000 | $ 140,000 | $ 97,000 |
| Logan County West Virginia | 8 | $ 1,327,000 | $ 165,000 | $ 122,000 |
| Casey County Kentucky | 7 | $ 407,000 | $ 58,000 | $ 49,000 |
| Jackson County Kentucky | 7 | $ 382,000 | $ 54,000 | $ 46,000 |
| Grainger County Tennessee | 7 | $ 747,000 | $ 106,000 | $ 81,000 |
| Garrard County Kentucky | 6 | $ 677,000 | $ 112,000 | $ 71,000 |
| Washington County Kentucky | 6 | $ 919,000 | $ 153,000 | $ 52,000 |
| Dickenson County Virginia | 6 | $ 666,000 | $ 111,000 | $ 70,000 |
| Wayne County Kentucky | 5 | $ 588,000 | $ 117,000 | $ 92,000 |
| Wise County Virginia | 5 | $ 691,000 | $ 138,000 | $ 75,000 |
| Putnam County West Virginia | 5 | $ 535,000 | $ 107,000 | $ 57,000 |
| Clay County Kentucky | 4 | $ 136,000 | $ 34,000 | $ 46,000 |
| Estill County Kentucky | 4 | $ 113,000 | $ 28,000 | $ 44,000 |
| Lewis County Kentucky | 4 | $ 152,000 | $ 38,000 | $ 44,000 |
| Powell County Kentucky | 4 | $ 483,000 | $ 120,000 | $ 72,000 |
| Blount County Tennessee | 4 | $ 1,081,000 | $ 270,000 | $ 123,000 |
| Hamblen County Tennessee | 4 | $ 586,000 | $ 146,000 | $ 128,000 |
| Clinton County Kentucky | 3 | $ 204,000 | $ 68,000 | $ 40,000 |
| Hardin County Kentucky | 3 | $ 233,000 | $ 77,000 | $ 60,000 |
| Harrison County Kentucky | 3 | $ 526,000 | $ 175,000 | $ 149,000 |
| Hart County Kentucky | 3 | $ 337,000 | $ 112,000 | $ 42,000 |
| Henderson County Kentucky | 3 | $ 306,000 | $ 102,000 | $ 97,000 |
| Warren County Kentucky | 3 | $ 131,000 | $ 43,000 | $ 93,000 |
| Brown County Ohio | 3 | $ 659,000 | $ 219,000 | $ 122,000 |
| Horry County South Carolina | 3 | $ 404,000 | $ 134,000 | $ 114,000 |
| Cumberland County Tennessee | 3 | $ 1,257,000 | $ 419,000 | $ 688,000 |
| Hawkins County Tennessee | 3 | $ 367,000 | $ 122,000 | $ 211,000 |
| Kanawha County West Virginia | 3 | $ 116,000 | $ 38,000 | $ 49,000 |
| Glynn County Georgia | 2 | $ 19,000 | $ 9,000 | $ 102,000 |
| Harrison County Indiana | 2 | $ 269,000 | $ 134,000 | $ 45,000 |
| Bracken County Kentucky | 2 | $ 136,000 | $ 68,000 | $ 28,000 |
| Cumberland County Kentucky | 2 | $ 121,000 | $ 60,000 | $ 42,000 |
| Kenton County Kentucky | 2 | $ 537,000 | $ 268,000 | $ 113,000 |
| Lee County Kentucky | 2 | $ 63,000 | $ 31,000 | $ 66,000 |
| Metcalfe County Kentucky | 2 | $ 109,000 | $ 54,000 | $ 48,000 |
| Morgan County Kentucky | 2 | $ 129,000 | $ 64,000 | $ 72,000 |
| Robertson County Kentucky | 2 | $ 214,000 | $ 107,000 | $ 54,000 |
| Scioto County Ohio | 2 | $ 250,000 | $ 125,000 | $ 192,000 |
| Union County Tennessee | 2 | $ 245,000 | $ 122,000 | $ 62,000 |
| Tazewell County Virginia | 2 | $ 354,000 | $ 177,000 | $ 87,000 |
| Washington County Virginia | 2 | $ 394,000 | $ 197,000 | $ 95,000 |
| Mercer County West Virginia | 2 | $ 124,000 | $ 62,000 | $ 115,000 |
| Raleigh County West Virginia | 2 | $ 544,000 | $ 272,000 | $ 336,000 |
| Autauga County Alabama | 1 | $ 197,000 | $ 197,000 | $ 47,000 |
| Lee County Alabama | 1 | $ 130,000 | $ 130,000 | $ 84,000 |
| Pima County Arizona | 1 | $ 50,000 | $ 50,000 | $ 155,000 |
| Pulaski County Arkansas | 1 | $ 400,000 | $ 400,000 | $ 210,000 |
| Bay County Florida | 1 | $ 160,000 | $ 160,000 | $ 82,000 |
| Flagler County Florida | 1 | $ 88,000 | $ 88,000 | $ 78,000 |
| Lee County Florida | 1 | $ 33,000 | $ 33,000 | $ 100,000 |
| Palm Beach County Florida | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Seminole County Florida | 1 | $ 82,000 | $ 82,000 | $ 74,000 |
| Cherokee County Georgia | 1 | $ 86,000 | $ 86,000 | $ 114,000 |
| Fulton County Georgia | 1 | $ 50,000 | $ 50,000 | $ 501,000 |
| Gwinnett County Georgia | 1 | $ 316,000 | $ 316,000 | $ 290,000 |
| Clark County Indiana | 1 | $ 110,000 | $ 110,000 | $ 30,000 |
| Barren County Kentucky | 1 | $ 268,000 | $ 268,000 | $ 120,000 |
| Bullitt County Kentucky | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Grant County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 22,000 |
| Grayson County Kentucky | 1 | $ 6,000 | $ 6,000 | $ 48,000 |
| Henry County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Larue County Kentucky | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Muhlenberg County Kentucky | 1 | $ 19,000 | $ 19,000 | $ 43,000 |
| Owen County Kentucky | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Owsley County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 82,000 |
| Shelby County Kentucky | 1 | $ 56,000 | $ 56,000 | $ 80,000 |
| Simpson County Kentucky | 1 | $ 2,000 | $ 2,000 | $ 42,000 |
| Webster County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 84,000 |
| Wolfe County Kentucky | 1 | $ 113,000 | $ 113,000 | $ 132,000 |
| Carroll County Mississippi | 1 | $ 3,000 | $ 3,000 | $ 78,000 |
| Carteret County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| Haywood County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 650,000 |
| Iredell County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 42,000 |
| Mecklenburg County North Carolina | 1 | $ 259,000 | $ 259,000 | $ 503,000 |
| Fairfield County Ohio | 1 | $ 260,000 | $ 260,000 | $ 17,000 |
| Lake County Ohio | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Sullivan County Pennsylvania | 1 | $ 27,000 | $ 27,000 | $ 61,000 |
| Beaufort County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 325,000 |
| Chester County Tennessee | 1 | $ 148,000 | $ 148,000 | $ 88,000 |
| Fentress County Tennessee | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Greene County Tennessee | 1 | $ 119,000 | $ 119,000 | $ 50,000 |
| Hickman County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 178,000 |
| Pickett County Tennessee | 1 | $ 203,000 | $ 203,000 | $ 68,000 |
| Sullivan County Tennessee | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Sumner County Tennessee | 1 | $ 289,000 | $ 289,000 | $ 41,000 |
| Washington County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Franklin County Virginia | 1 | $ 10,000 | $ 10,000 | $ 96,000 |
| Newport News County Virginia | 1 | $ 5,000 | $ 5,000 | $ 98,000 |
| Wythe County Virginia | 1 | $ 140,000 | $ 140,000 | $ 56,000 |
| Greenbrier County West Virginia | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Upshur County West Virginia | 1 | $ 228,000 | $ 228,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Community Trust Bank, Inc. in 2012
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 | 2,133 | $272,761,000 | $127,000 | $8,600,000 | $82,000 | $3,240,000 |
| Home Improvement | 1,527 | $50,373,000 | $32,000 | $4,500,000 | $55,000 | $502,000 |
| Home Purchase | 1,261 | $154,272,000 | $122,000 | $2,480,000 | $78,000 | $997,000 |
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 | 4,691 | $425,779,000 | $90,000 | $1,639,000 | $73,000 | $3,240,000 |
| Not applicable | 72 | $31,704,000 | $440,000 | $8,600,000 | $0 | $0 |
| Black or African American | 68 | $6,486,000 | $95,000 | $297,000 | $95,000 | $692,000 |
| Hispanic | 41 | $3,298,000 | $80,000 | $391,000 | $62,000 | $321,000 |
| Asian | 25 | $7,524,000 | $300,000 | $871,000 | $212,000 | $773,000 |
| Not Provided | 16 | $1,888,000 | $118,000 | $780,000 | $76,000 | $232,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $249,000 | $49,000 | $132,000 | $199,000 | $673,000 |
| American Indian or Alaskan Native | 3 | $478,000 | $159,000 | $374,000 | $91,000 | $133,000 |
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) | 4,921 | $477,406,000 | $97,000 | $8,600,000 | $73,000 | $3,240,000 |
| 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 | 3,419 | $335,382,000 | $98,000 | $8,600,000 | $74,000 | $1,634,000 |
| Application Denied By Financial Institution | 1,069 | $93,501,000 | $87,000 | $1,000,000 | $59,000 | $503,000 |
| Application Approved But Not Accepted | 407 | $45,824,000 | $112,000 | $874,000 | $86,000 | $750,000 |
| Application Withdrawn By Applicant | 26 | $2,699,000 | $103,000 | $299,000 | $187,000 | $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 | 476 | $27,926,000 | $58,000 | $417,000 | $52,000 | $503,000 |
| Collateral | 272 | $32,305,000 | $118,000 | $1,000,000 | $78,000 | $467,000 |
| Debt-To-Income Ratio | 203 | $20,665,000 | $101,000 | $880,000 | $45,000 | $185,000 |
| Credit Application Incomplete | 72 | $8,936,000 | $124,000 | $525,000 | $76,000 | $280,000 |
| Unverifiable Information | 14 | $981,000 | $70,000 | $215,000 | $42,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,420,000 | $109,000 | $392,000 | $64,000 | $150,000 |
| Employment History | 12 | $804,000 | $67,000 | $202,000 | $41,000 | $95,000 |
| Other | 7 | $464,000 | $66,000 | $348,000 | $61,000 | $150,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Trust Bank, Inc.'s 2012 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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with aggregated HMDA statistics today.