Community Trust Bank, Inc. Mortgage Lending & HMDA Data, 2019

In 2019, Community Trust Bank, Inc. of Pikeville, KY reported 3,581 mortgage applications totaling $426.1 million, up 8% from 2018. The average application was for $119,001, and applicants reported an average income of $87,623. 76% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Lexington-Fayette, KY (467), Huntington-Ashland, WV-KY-OH (222) and Knoxville, TN (165) (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 3,581
Total Mortgage Loan Application Amount $426,145,000
Average Mortgage Loan Application Amount $119,001
Highest Mortgage Loan Application Amount $9,005,000
Average Applicant Income $87,623
Highest Applicant Income $3,854,000

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records Community Trust Bank, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pike, Kentucky 416 $ 45,220,000 $ 108,701 $ 97,000
Fayette, Kentucky 234 $ 47,970,000 $ 205,000 $ 107,000
Madison, Kentucky 153 $ 21,605,000 $ 141,209 $ 115,000
Floyd, Kentucky 147 $ 15,565,000 $ 105,884 $ 88,000
Whitley, Kentucky 143 $ 12,465,000 $ 87,167 $ 71,000
Letcher, Kentucky 132 $ 9,100,000 $ 68,939 $ 72,000
Taylor, Kentucky 113 $ 8,995,000 $ 79,601 $ 66,000
Boyd, Kentucky 103 $ 8,555,000 $ 83,058 $ 79,000
Campbell, Tennessee 97 $ 19,045,000 $ 196,340 $ 98,000
Fleming, Kentucky 94 $ 6,890,000 $ 73,297 $ 71,000
Perry, Kentucky 93 $ 12,225,000 $ 131,451 $ 95,000
Laurel, Kentucky 89 $ 7,895,000 $ 88,707 $ 68,000
Clark, Kentucky 86 $ 8,540,000 $ 99,302 $ 69,000
Rockcastle, Kentucky 86 $ 6,290,000 $ 73,139 $ 64,000
Pulaski, Kentucky 81 $ 6,545,000 $ 80,802 $ 81,000
Montgomery, Kentucky 78 $ 6,240,000 $ 80,000 $ 69,000
Franklin, Kentucky 63 $ 7,615,000 $ 120,873 $ 106,000
Knott, Kentucky 62 $ 5,020,000 $ 80,967 $ 67,000
Mingo, West Virginia 57 $ 4,435,000 $ 77,807 $ 87,000
Green, Kentucky 53 $ 3,155,000 $ 59,528 $ 69,000
Mercer, Kentucky 53 $ 5,425,000 $ 102,358 $ 124,000
Greenup, Kentucky 51 $ 5,805,000 $ 113,823 $ 88,000
Woodford, Kentucky 50 $ 5,800,000 $ 116,000 $ 74,000
Johnson, Kentucky 48 $ 7,290,000 $ 151,875 $ 102,000
Russell, Kentucky 46 $ 4,430,000 $ 96,304 $ 72,000
Knox, Kentucky 45 $ 2,975,000 $ 66,111 $ 51,000
Boyle, Kentucky 44 $ 5,510,000 $ 125,227 $ 95,000
Adair, Kentucky 43 $ 3,315,000 $ 77,093 $ 56,000
Jessamine, Kentucky 43 $ 11,955,000 $ 278,023 $ 168,000
Bell, Kentucky 40 $ 2,350,000 $ 58,750 $ 70,000
Marion, Kentucky 39 $ 4,635,000 $ 118,846 $ 76,000
Scott, Kentucky 38 $ 7,310,000 $ 192,368 $ 103,000
Anderson, Tennessee 35 $ 7,345,000 $ 209,857 $ 99,000
Lawrence, Kentucky 34 $ 2,930,000 $ 86,176 $ 65,000
Wayne, West Virginia 24 $ 3,240,000 $ 135,000 $ 68,000
Anderson, Kentucky 22 $ 3,750,000 $ 170,454 $ 93,000
Nicholas, West Virginia 21 $ 1,785,000 $ 85,000 $ 62,000
Lincoln, Kentucky 19 $ 1,575,000 $ 82,894 $ 80,000
Knox, Tennessee 19 $ 5,885,000 $ 309,736 $ 156,000
Lawrence, Ohio 18 $ 1,930,000 $ 107,222 $ 65,000
Bourbon, Kentucky 16 $ 3,290,000 $ 205,625 $ 170,000
Claiborne, Tennessee 15 $ 1,715,000 $ 114,333 $ 122,000
Cabell, West Virginia 15 $ 2,175,000 $ 145,000 $ 122,000
Bath, Kentucky 14 $ 1,220,000 $ 87,142 $ 75,000
Jefferson, Kentucky 13 $ 6,225,000 $ 478,846 $ 153,000
Wayne, Kentucky 13 $ 1,465,000 $ 112,692 $ 86,000
Garrard, Kentucky 12 $ 1,530,000 $ 127,500 $ 71,000
Mason, Kentucky 12 $ 890,000 $ 74,166 $ 76,000
Rowan, Kentucky 12 $ 980,000 $ 81,666 $ 109,000
Carter, Kentucky 11 $ 535,000 $ 48,636 $ 59,000
McCreary, Kentucky 11 $ 745,000 $ 67,727 $ 60,000
Lincoln, West Virginia 11 $ 765,000 $ 69,545 $ 63,000
Breathitt, Kentucky 10 $ 980,000 $ 98,000 $ 74,000
Leslie, Kentucky 10 $ 930,000 $ 93,000 $ 88,000
Lewis, Kentucky 10 $ 410,000 $ 41,000 $ 47,000
Nicholas, Kentucky 10 $ 700,000 $ 70,000 $ 55,000
Clay, Kentucky 9 $ 1,275,000 $ 141,666 $ 88,000
Harrison, Kentucky 9 $ 1,485,000 $ 165,000 $ 93,000
Oldham, Kentucky 9 $ 2,385,000 $ 265,000 $ 115,000
Powell, Kentucky 9 $ 525,000 $ 58,333 $ 46,000
Menifee, Kentucky 8 $ 470,000 $ 58,750 $ 73,000
Blount, Tennessee 8 $ 1,310,000 $ 163,750 $ 102,000
Jefferson, Tennessee 7 $ 1,685,000 $ 240,714 $ 85,000
Sevier, Tennessee 7 $ 1,985,000 $ 283,571 $ 185,000
Casey, Kentucky 6 $ 300,000 $ 50,000 $ 63,000
Harlan, Kentucky 6 $ 480,000 $ 80,000 $ 104,000
Magoffin, Kentucky 6 $ 870,000 $ 145,000 $ 111,000
Washington, Kentucky 6 $ 840,000 $ 140,000 $ 62,000
Buchanan, Virginia 6 $ 720,000 $ 120,000 $ 102,000
Estill, Kentucky 5 $ 555,000 $ 111,000 $ 74,000
Martin, Kentucky 5 $ 525,000 $ 105,000 $ 108,000
Scioto, Ohio 5 $ 355,000 $ 71,000 $ 47,000
Hawkins, Tennessee 5 $ 435,000 $ 87,000 $ 60,000
Logan, West Virginia 5 $ 345,000 $ 69,000 $ 68,000
Bullitt, Kentucky 4 $ 450,000 $ 112,500 $ 92,000
Morgan, Kentucky 4 $ 430,000 $ 107,500 $ 63,000
Owen, Kentucky 4 $ 410,000 $ 102,500 $ 52,000
Pendleton, Kentucky 4 $ 810,000 $ 202,500 $ 97,000
Shelby, Kentucky 4 $ 1,480,000 $ 370,000 $ 202,000
Warren, Ohio 4 $ 1,100,000 $ 275,000 $ 80,000
Hamblen, Tennessee 4 $ 570,000 $ 142,500 $ 149,000
Union, Tennessee 4 $ 980,000 $ 245,000 $ 147,000
Lee, Virginia 4 $ 390,000 $ 97,500 $ 71,000
Wise, Virginia 4 $ 390,000 $ 97,500 $ 175,000
Kanawha, West Virginia 4 $ 600,000 $ 150,000 $ 102,000
Bracken, Kentucky 3 $ 315,000 $ 105,000 $ 62,000
Carroll, Kentucky 3 $ 405,000 $ 135,000 $ 67,000
Jackson, Kentucky 3 $ 215,000 $ 71,666 $ 72,000
Metcalfe, Kentucky 3 $ 375,000 $ 125,000 $ 78,000
Brown, Ohio 3 $ 515,000 $ 171,666 $ 78,000
Fentress, Tennessee 3 $ 325,000 $ 108,333 $ 33,000
Grainger, Tennessee 3 $ 255,000 $ 85,000 $ 88,000
Scott, Tennessee 3 $ 225,000 $ 75,000 $ 38,000
Dickenson, Virginia 3 $ 85,000 $ 28,333 $ 37,000
Barren, Kentucky 2 $ 580,000 $ 290,000 $ 83,000
Campbell, Kentucky 2 $ 310,000 $ 155,000 $ 137,000
Kenton, Kentucky 2 $ 180,000 $ 90,000 $ 45,000
Larue, Kentucky 2 $ 180,000 $ 90,000 $ 50,000
Owsley, Kentucky 2 $ 330,000 $ 165,000 $ 96,000
Horry, South Carolina 2 $ 460,000 $ 230,000 $ 90,000
Pickett, Tennessee 2 $ 60,000 $ 30,000 $ 26,000
Roane, Tennessee 2 $ 1,390,000 $ 695,000 $ 220,000
Washington, Tennessee 2 $ 350,000 $ 175,000 $ 31,000
Wilson, Tennessee 2 $ 610,000 $ 305,000 $ 203,000
Boone, West Virginia 2 $ 140,000 $ 70,000 $ 34,000
Fayette, West Virginia 2 $ 170,000 $ 85,000 $ 55,000
Yavapai, Arizona 1 $ 195,000 $ 195,000 $ 91,000
Los Angeles, California 1 $ 225,000 $ 225,000 $ 86,000
Broward, Florida 1 $ 455,000 $ 455,000 $ 788,000
Charlotte, Florida 1 $ 385,000 $ 385,000 $ 544,000
Lee, Florida 1 $ 175,000 $ 175,000 $ 69,000
Manatee, Florida 1 $ 505,000 $ 505,000 $ 183,000
Nassau, Florida 1 $ 145,000 $ 145,000 $ 144,000
Okaloosa, Florida 1 $ 695,000 $ 695,000 $ 531,000
Orange, Florida 1 $ 205,000 $ 205,000 $ 0
Pasco, Florida 1 $ 45,000 $ 45,000 $ 76,000
Sarasota, Florida 1 $ 115,000 $ 115,000 $ 99,000
Volusia, Florida 1 $ 275,000 $ 275,000 $ 224,000
Walton, Florida 1 $ 175,000 $ 175,000 $ 139,000
Cobb, Georgia 1 $ 385,000 $ 385,000 $ 1,064,000
DeKalb, Georgia 1 $ 25,000 $ 25,000 $ 609,000
Delaware, Indiana 1 $ 245,000 $ 245,000 $ 129,000
Floyd, Indiana 1 $ 515,000 $ 515,000 $ 0
Page, Iowa 1 $ 175,000 $ 175,000 $ 54,000
Allen, Kentucky 1 $ 105,000 $ 105,000 $ 42,000
Boone, Kentucky 1 $ 75,000 $ 75,000 $ 169,000
Breckinridge, Kentucky 1 $ 85,000 $ 85,000 $ 91,000
Christian, Kentucky 1 $ 115,000 $ 115,000 $ 41,000
Clinton, Kentucky 1 $ 15,000 $ 15,000 $ 55,000
Elliott, Kentucky 1 $ 55,000 $ 55,000 $ 33,000
Grant, Kentucky 1 $ 85,000 $ 85,000 $ 54,000
Hardin, Kentucky 1 $ 215,000 $ 215,000 $ 139,000
Hart, Kentucky 1 $ 65,000 $ 65,000 $ 136,000
Logan, Kentucky 1 $ 165,000 $ 165,000 $ 187,000
Marshall, Kentucky 1 $ 65,000 $ 65,000 $ 80,000
Meade, Kentucky 1 $ 45,000 $ 45,000 $ 26,000
Nelson, Kentucky 1 $ 115,000 $ 115,000 $ 25,000
Robertson, Kentucky 1 $ 55,000 $ 55,000 $ 35,000
Trimble, Kentucky 1 $ 135,000 $ 135,000 $ 60,000
Warren, Kentucky 1 $ 135,000 $ 135,000 $ 55,000
Wolfe, Kentucky 1 $ 15,000 $ 15,000 $ 88,000
Madison, Montana 1 $ 325,000 $ 325,000 $ 124,000
Jackson, North Carolina 1 $ 105,000 $ 105,000 $ 118,000
Adams, Ohio 1 $ 325,000 $ 325,000 $ 110,000
Clark, Ohio 1 $ 135,000 $ 135,000 $ 42,000
Erie, Ohio 1 $ 215,000 $ 215,000 $ 110,000
Franklin, Ohio 1 $ 195,000 $ 195,000 $ 60,000
Greene, Ohio 1 $ 395,000 $ 395,000 $ 251,000
Hamilton, Ohio 1 $ 215,000 $ 215,000 $ 100,000
Trumbull, Ohio 1 $ 35,000 $ 35,000 $ 0
Beaufort, South Carolina 1 $ 235,000 $ 235,000 $ 45,000
Lexington, South Carolina 1 $ 165,000 $ 165,000 $ 73,000
Greene, Tennessee 1 $ 45,000 $ 45,000 $ 85,000
McMinn, Tennessee 1 $ 125,000 $ 125,000 $ 51,000
Overton, Tennessee 1 $ 115,000 $ 115,000 $ 30,000
Robertson, Tennessee 1 $ 165,000 $ 165,000 $ 186,000
Sumner, Tennessee 1 $ 105,000 $ 105,000 $ 32,000
Bedford, Virginia 1 $ 25,000 $ 25,000 $ 63,000
Henrico, Virginia 1 $ 135,000 $ 135,000 $ 206,000
Prince William, Virginia 1 $ 485,000 $ 485,000 $ 140,000
Washington, Virginia 1 $ 305,000 $ 305,000 $ 120,000
Greenbrier, West Virginia 1 $ 865,000 $ 865,000 $ 0
Jackson, West Virginia 1 $ 125,000 $ 125,000 $ 169,000
Ohio, West Virginia 1 $ 25,000 $ 25,000 $ 39,000

Mortgage Loan Application Detail Totals for Community Trust Bank, Inc. in 2019

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 1,338 $220,520,000 $164,000 $9,005,000 $95,000 $1,148,000
Refinancing 1,061 $135,575,000 $127,000 $1,405,000 $92,000 $3,854,000
Home Improvement 537 $22,715,000 $42,000 $335,000 $73,000 $846,000
Other Purpose 454 $23,770,000 $52,000 $2,005,000 $77,000 $619,000
Cash-out Refinancing 191 $23,565,000 $123,000 $385,000 $78,000 $600,000
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 3,281 $370,095,000 $112,000 $1,405,000 $87,000 $3,854,000
Not applicable 157 $38,545,000 $245,000 $9,005,000 $0 $0
Black or African American 58 $6,590,000 $113,000 $585,000 $59,000 $276,000
Hispanic 38 $2,650,000 $69,000 $245,000 $68,000 $169,000
Not Provided 28 $3,530,000 $126,000 $725,000 $129,000 $624,000
Asian 18 $4,720,000 $262,000 $2,005,000 $191,000 $619,000
American Indian or Alaskan Native 1 $15,000 $15,000 $15,000 $16,000 $16,000
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) 3,581 $426,145,000 $119,000 $9,005,000 $87,000 $3,854,000
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 2,730 $345,000,000 $126,000 $9,005,000 $92,000 $1,371,000
Application Denied By Financial Institution 498 $40,230,000 $80,000 $1,105,000 $60,000 $1,056,000
Application Withdrawn By Applicant 257 $30,045,000 $116,000 $635,000 $94,000 $3,854,000
Application Approved But Not Accepted 96 $10,870,000 $113,000 $2,005,000 $80,000 $584,000
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 3,083 $385,915,000 $125,000 $9,005,000 $92,000 $3,854,000
Credit History 244 $14,490,000 $59,000 $445,000 $56,000 $1,056,000
Debt-To-Income Ratio 94 $10,870,000 $115,000 $1,105,000 $49,000 $160,000
Collateral 54 $5,160,000 $95,000 $985,000 $84,000 $483,000
Other 48 $3,030,000 $63,000 $395,000 $67,000 $196,000
Credit Application Incomplete 38 $4,620,000 $121,000 $445,000 $79,000 $600,000
Unverifiable Information 11 $825,000 $75,000 $265,000 $53,000 $129,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,100,000 $137,000 $405,000 $46,000 $59,000
Employment History 1 $135,000 $135,000 $135,000 $22,000 $22,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Trust Bank, Inc.'s 2019 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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