Community Trust Bank, Inc. Mortgage Lending & HMDA Data, 2022

In 2022, Community Trust Bank, Inc. of Pikeville, KY reported 3,394 mortgage applications totaling $553.4 million, down 35% from 2021. The average application was for $163,037, and applicants reported an average income of $98,714. 74% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Lexington-Fayette, KY (450), Knoxville, TN (169) and Huntington-Ashland, WV-KY-OH (166) (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 3,394
Total Mortgage Loan Application Amount $553,350,000
Average Mortgage Loan Application Amount $163,037
Highest Mortgage Loan Application Amount $12,005,000
Average Applicant Income $98,714
Highest Applicant Income $2,540,000

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records Community Trust Bank, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pike, Kentucky 388 $ 45,060,000 $ 116,134 $ 101,000
Fayette, Kentucky 213 $ 55,575,000 $ 260,915 $ 130,000
Whitley, Kentucky 160 $ 17,070,000 $ 106,687 $ 77,000
Floyd, Kentucky 157 $ 20,175,000 $ 128,503 $ 99,000
Madison, Kentucky 137 $ 29,035,000 $ 211,934 $ 98,000
Laurel, Kentucky 112 $ 16,740,000 $ 149,464 $ 91,000
Taylor, Kentucky 110 $ 14,500,000 $ 131,818 $ 77,000
Letcher, Kentucky 91 $ 7,745,000 $ 85,109 $ 75,000
Clark, Kentucky 90 $ 13,600,000 $ 151,111 $ 99,000
Perry, Kentucky 82 $ 10,210,000 $ 124,512 $ 95,000
Franklin, Kentucky 80 $ 14,220,000 $ 177,750 $ 110,000
Campbell, Tennessee 79 $ 19,025,000 $ 240,822 $ 131,000
Fleming, Kentucky 76 $ 7,270,000 $ 95,657 $ 97,000
Boyd, Kentucky 70 $ 6,390,000 $ 91,285 $ 77,000
Pulaski, Kentucky 65 $ 7,445,000 $ 114,538 $ 74,000
Montgomery, Kentucky 64 $ 7,400,000 $ 115,625 $ 72,000
Rockcastle, Kentucky 64 $ 5,180,000 $ 80,937 $ 69,000
Knott, Kentucky 55 $ 5,225,000 $ 95,000 $ 84,000
Scott, Kentucky 54 $ 12,150,000 $ 225,000 $ 129,000
Green, Kentucky 51 $ 5,905,000 $ 115,784 $ 74,000
Woodford, Kentucky 50 $ 9,010,000 $ 180,200 $ 86,000
Mingo, West Virginia 43 $ 3,535,000 $ 82,209 $ 85,000
Knox, Kentucky 42 $ 4,900,000 $ 116,666 $ 67,000
Russell, Kentucky 42 $ 4,500,000 $ 107,142 $ 72,000
Anderson, Tennessee 42 $ 12,970,000 $ 308,809 $ 138,000
Boyle, Kentucky 41 $ 5,385,000 $ 131,341 $ 93,000
Adair, Kentucky 39 $ 4,695,000 $ 120,384 $ 71,000
Bell, Kentucky 35 $ 2,805,000 $ 80,142 $ 76,000
Mercer, Kentucky 35 $ 4,415,000 $ 126,142 $ 89,000
Jessamine, Kentucky 34 $ 11,250,000 $ 330,882 $ 127,000
Greenup, Kentucky 33 $ 3,355,000 $ 101,666 $ 109,000
Marion, Kentucky 33 $ 3,425,000 $ 103,787 $ 87,000
Johnson, Kentucky 30 $ 4,780,000 $ 159,333 $ 99,000
Lawrence, Kentucky 26 $ 3,280,000 $ 126,153 $ 76,000
Anderson, Kentucky 24 $ 4,250,000 $ 177,083 $ 84,000
Wayne, West Virginia 24 $ 2,150,000 $ 89,583 $ 87,000
Lincoln, Kentucky 22 $ 3,000,000 $ 136,363 $ 68,000
Nicholas, West Virginia 22 $ 1,350,000 $ 61,363 $ 68,000
Claiborne, Tennessee 20 $ 2,510,000 $ 125,500 $ 81,000
Knox, Tennessee 20 $ 6,990,000 $ 349,500 $ 164,000
Cabell, West Virginia 20 $ 3,020,000 $ 151,000 $ 95,000
Breathitt, Kentucky 17 $ 1,875,000 $ 110,294 $ 65,000
Blount, Tennessee 16 $ 6,370,000 $ 398,125 $ 155,000
Garrard, Kentucky 15 $ 5,225,000 $ 348,333 $ 100,000
Casey, Kentucky 13 $ 1,325,000 $ 101,923 $ 70,000
Jefferson, Tennessee 13 $ 3,845,000 $ 295,769 $ 202,000
Sevier, Tennessee 13 $ 9,685,000 $ 745,000 $ 254,000
Clay, Kentucky 12 $ 1,480,000 $ 123,333 $ 74,000
Jefferson, Kentucky 12 $ 6,280,000 $ 523,333 $ 359,000
Mason, Kentucky 12 $ 1,260,000 $ 105,000 $ 106,000
Nicholas, Kentucky 12 $ 1,270,000 $ 105,833 $ 77,000
Bath, Kentucky 11 $ 1,075,000 $ 97,727 $ 74,000
Martin, Kentucky 11 $ 1,145,000 $ 104,090 $ 105,000
McCreary, Kentucky 11 $ 1,255,000 $ 114,090 $ 56,000
Wayne, Kentucky 11 $ 2,405,000 $ 218,636 $ 116,000
Hamblen, Tennessee 11 $ 5,125,000 $ 465,909 $ 123,000
Magoffin, Kentucky 10 $ 1,320,000 $ 132,000 $ 83,000
Lawrence, Ohio 10 $ 1,710,000 $ 171,000 $ 106,000
Logan, West Virginia 10 $ 1,100,000 $ 110,000 $ 66,000
Bourbon, Kentucky 9 $ 1,975,000 $ 219,444 $ 113,000
Harlan, Kentucky 9 $ 785,000 $ 87,222 $ 58,000
Lewis, Kentucky 9 $ 1,095,000 $ 121,666 $ 62,000
Buchanan, Virginia 9 $ 1,585,000 $ 176,111 $ 80,000
Kenton, Kentucky 8 $ 2,930,000 $ 366,250 $ 154,000
Leslie, Kentucky 8 $ 570,000 $ 71,250 $ 90,000
Union, Tennessee 8 $ 1,330,000 $ 166,250 $ 106,000
Lincoln, West Virginia 8 $ 690,000 $ 86,250 $ 79,000
Powell, Kentucky 7 $ 845,000 $ 120,714 $ 80,000
Washington, Kentucky 7 $ 845,000 $ 120,714 $ 55,000
Grainger, Tennessee 7 $ 1,825,000 $ 260,714 $ 146,000
Carter, Kentucky 6 $ 600,000 $ 100,000 $ 41,000
Estill, Kentucky 6 $ 1,180,000 $ 196,666 $ 67,000
Harrison, Kentucky 6 $ 790,000 $ 131,666 $ 91,000
Jackson, Kentucky 6 $ 2,630,000 $ 438,333 $ 78,000
Menifee, Kentucky 6 $ 410,000 $ 68,333 $ 45,000
Wolfe, Kentucky 6 $ 690,000 $ 115,000 $ 54,000
Hamilton, Ohio 6 $ 13,650,000 $ 2,275,000 $ 0
Boone, Kentucky 5 $ 775,000 $ 155,000 $ 361,000
Rowan, Kentucky 5 $ 1,185,000 $ 237,000 $ 76,000
Shelby, Kentucky 5 $ 1,665,000 $ 333,000 $ 57,000
Scioto, Ohio 5 $ 765,000 $ 153,000 $ 87,000
Wise, Virginia 5 $ 1,055,000 $ 211,000 $ 265,000
Nelson, Kentucky 4 $ 510,000 $ 127,500 $ 46,000
Owsley, Kentucky 4 $ 500,000 $ 125,000 $ 109,000
Pendleton, Kentucky 4 $ 770,000 $ 192,500 $ 122,000
Warren, Kentucky 4 $ 530,000 $ 132,500 $ 103,000
Bay, Florida 3 $ 545,000 $ 181,666 $ 162,000
Collier, Florida 3 $ 1,525,000 $ 508,333 $ 743,000
Campbell, Kentucky 3 $ 1,355,000 $ 451,666 $ 119,000
Lee, Kentucky 3 $ 545,000 $ 181,666 $ 106,000
Metcalfe, Kentucky 3 $ 245,000 $ 81,666 $ 77,000
Robertson, Kentucky 3 $ 755,000 $ 251,666 $ 109,000
Brown, Ohio 3 $ 465,000 $ 155,000 $ 56,000
Butler, Ohio 3 $ 3,355,000 $ 1,118,333 $ 0
Roane, Tennessee 3 $ 785,000 $ 261,666 $ 57,000
Lee, Virginia 3 $ 585,000 $ 195,000 $ 102,000
Mason, West Virginia 3 $ 265,000 $ 88,333 $ 30,000
Putnam, West Virginia 3 $ 1,265,000 $ 421,666 $ 151,000
Raleigh, West Virginia 3 $ 355,000 $ 118,333 $ 70,000
Wyoming, West Virginia 3 $ 315,000 $ 105,000 $ 156,000
Duval, Florida 2 $ 490,000 $ 245,000 $ 118,000
Lee, Florida 2 $ 2,180,000 $ 1,090,000 $ 535,000
Manatee, Florida 2 $ 510,000 $ 255,000 $ 219,000
Pinellas, Florida 2 $ 2,010,000 $ 1,005,000 $ 394,000
Polk, Florida 2 $ 230,000 $ 115,000 $ 60,000
Delaware, Indiana 2 $ 380,000 $ 190,000 $ 177,000
Barren, Kentucky 2 $ 460,000 $ 230,000 $ 54,000
Grant, Kentucky 2 $ 310,000 $ 155,000 $ 108,000
Hart, Kentucky 2 $ 270,000 $ 135,000 $ 72,000
Morgan, Kentucky 2 $ 90,000 $ 45,000 $ 125,000
Oldham, Kentucky 2 $ 530,000 $ 265,000 $ 81,000
Athens, Ohio 2 $ 350,000 $ 175,000 $ 40,000
Hawkins, Tennessee 2 $ 470,000 $ 235,000 $ 87,000
Rhea, Tennessee 2 $ 610,000 $ 305,000 $ 81,000
Scott, Tennessee 2 $ 350,000 $ 175,000 $ 55,000
Dickenson, Virginia 2 $ 280,000 $ 140,000 $ 94,000
Fayette, West Virginia 2 $ 70,000 $ 35,000 $ 87,000
Marshall, Alabama 1 $ 295,000 $ 295,000 $ 133,000
Volusia, Florida 1 $ 65,000 $ 65,000 $ 72,000
Fulton, Georgia 1 $ 2,165,000 $ 2,165,000 $ 773,000
Hall, Georgia 1 $ 355,000 $ 355,000 $ 156,000
Allen, Indiana 1 $ 805,000 $ 805,000 $ 14,000
Clark, Indiana 1 $ 65,000 $ 65,000 $ 147,000
Marion, Indiana 1 $ 685,000 $ 685,000 $ 0
Morgan, Indiana 1 $ 145,000 $ 145,000 $ 78,000
Perry, Indiana 1 $ 25,000 $ 25,000 $ 1,000
Bracken, Kentucky 1 $ 135,000 $ 135,000 $ 137,000
Bullitt, Kentucky 1 $ 605,000 $ 605,000 $ 0
Carroll, Kentucky 1 $ 75,000 $ 75,000 $ 39,000
Cumberland, Kentucky 1 $ 155,000 $ 155,000 $ 159,000
Gallatin, Kentucky 1 $ 135,000 $ 135,000 $ 37,000
Grayson, Kentucky 1 $ 105,000 $ 105,000 $ 19,000
Hardin, Kentucky 1 $ 575,000 $ 575,000 $ 125,000
Henry, Kentucky 1 $ 215,000 $ 215,000 $ 69,000
Larue, Kentucky 1 $ 245,000 $ 245,000 $ 68,000
Marshall, Kentucky 1 $ 105,000 $ 105,000 $ 91,000
Ingham, Michigan 1 $ 265,000 $ 265,000 $ 104,000
Madison, Montana 1 $ 55,000 $ 55,000 $ 128,000
Carteret, North Carolina 1 $ 115,000 $ 115,000 $ 63,000
Catawba, North Carolina 1 $ 105,000 $ 105,000 $ 48,000
Hyde, North Carolina 1 $ 95,000 $ 95,000 $ 88,000
Adams, Ohio 1 $ 225,000 $ 225,000 $ 47,000
Greene, Ohio 1 $ 45,000 $ 45,000 $ 463,000
Montgomery, Ohio 1 $ 105,000 $ 105,000 $ 82,000
Warren, Ohio 1 $ 175,000 $ 175,000 $ 63,000
Charleston, South Carolina 1 $ 405,000 $ 405,000 $ 300,000
Clarendon, South Carolina 1 $ 75,000 $ 75,000 $ 150,000
Dorchester, South Carolina 1 $ 105,000 $ 105,000 $ 28,000
Horry, South Carolina 1 $ 105,000 $ 105,000 $ 0
Cumberland, Tennessee 1 $ 105,000 $ 105,000 $ 73,000
Davidson, Tennessee 1 $ 375,000 $ 375,000 $ 2,540,000
Hancock, Tennessee 1 $ 305,000 $ 305,000 $ 84,000
Marshall, Tennessee 1 $ 35,000 $ 35,000 $ 32,000
Monroe, Tennessee 1 $ 225,000 $ 225,000 $ 61,000
Morgan, Tennessee 1 $ 115,000 $ 115,000 $ 59,000
Pickett, Tennessee 1 $ 295,000 $ 295,000 $ 209,000
Putnam, Tennessee 1 $ 305,000 $ 305,000 $ 576,000
Sumner, Tennessee 1 $ 1,005,000 $ 1,005,000 $ 430,000
Washington, Tennessee 1 $ 205,000 $ 205,000 $ 81,000
Williamson, Tennessee 1 $ 245,000 $ 245,000 $ 133,000
Wilson, Tennessee 1 $ 365,000 $ 365,000 $ 162,000
Hays, Texas 1 $ 645,000 $ 645,000 $ 307,000
Prince William, Virginia 1 $ 415,000 $ 415,000 $ 74,000
Roanoke, Virginia 1 $ 105,000 $ 105,000 $ 58,000
Greenbrier, West Virginia 1 $ 205,000 $ 205,000 $ 144,000
Kanawha, West Virginia 1 $ 35,000 $ 35,000 $ 52,000
Pocahontas, West Virginia 1 $ 85,000 $ 85,000 $ 99,000

Mortgage Loan Application Detail Totals for Community Trust Bank, Inc. in 2022

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 1,456 $342,280,000 $235,000 $8,465,000 $105,000 $1,783,000
Refinancing 693 $112,665,000 $162,000 $12,005,000 $95,000 $2,540,000
Home Improvement 617 $39,375,000 $63,000 $1,865,000 $98,000 $944,000
Other Purpose 468 $35,610,000 $76,000 $755,000 $92,000 $1,287,000
Cash-out Refinancing 160 $23,420,000 $146,000 $605,000 $80,000 $243,000
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 2,892 $415,900,000 $143,000 $3,045,000 $100,000 $2,540,000
Not applicable 208 $86,380,000 $415,000 $12,005,000 $0 $0
Not Provided 153 $27,005,000 $176,000 $2,265,000 $75,000 $920,000
Hispanic 61 $9,855,000 $161,000 $995,000 $83,000 $435,000
Black or African American 59 $9,855,000 $167,000 $2,165,000 $91,000 $773,000
Asian 16 $3,170,000 $198,000 $615,000 $134,000 $508,000
American Indian or Alaskan Native 3 $355,000 $118,000 $225,000 $93,000 $132,000
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) 3,394 $553,350,000 $163,000 $12,005,000 $99,000 $2,540,000
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 2,527 $419,515,000 $166,000 $12,005,000 $105,000 $2,540,000
Application Denied By Financial Institution 476 $59,670,000 $125,000 $3,045,000 $70,000 $1,783,000
Application Withdrawn By Applicant 286 $53,510,000 $187,000 $2,165,000 $99,000 $773,000
Application Approved But Not Accepted 104 $20,580,000 $197,000 $1,385,000 $98,000 $507,000
Preapproval Denied by Financial Institution 1 $75,000 $75,000 $75,000 $28,000 $28,000
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

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 2,917 $493,605,000 $169,000 $12,005,000 $104,000 $2,540,000
Credit History 184 $13,890,000 $75,000 $365,000 $66,000 $816,000
Debt-To-Income Ratio 96 $19,520,000 $203,000 $3,045,000 $57,000 $831,000
Credit Application Incomplete 74 $10,110,000 $136,000 $915,000 $95,000 $1,783,000
Other 59 $7,225,000 $122,000 $705,000 $68,000 $281,000
Collateral 45 $5,785,000 $128,000 $805,000 $82,000 $194,000
Unverifiable Information 9 $1,775,000 $197,000 $465,000 $57,000 $122,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,140,000 $190,000 $575,000 $70,000 $125,000
Employment History 4 $300,000 $75,000 $85,000 $54,000 $68,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Trust Bank, Inc.'s 2022 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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