Community Trust Bank, Inc. Mortgage Lending & HMDA Data, 2023

In 2023, Community Trust Bank, Inc. of Pikeville, KY reported 2,931 mortgage applications totaling $525.4 million, down 14% from 2022. The average application was for $179,257, and applicants reported an average income of $116,592. 77% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Lexington-Fayette, KY (357), Huntington-Ashland, WV-KY-OH (163) and Knoxville, TN (162) (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 2,931
Total Mortgage Loan Application Amount $525,405,000
Average Mortgage Loan Application Amount $179,257
Highest Mortgage Loan Application Amount $40,505,000
Average Applicant Income $116,592
Highest Applicant Income $8,333,000

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records Community Trust Bank, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pike, Kentucky 333 $ 42,285,000 $ 126,981 $ 114,000
Fayette, Kentucky 159 $ 32,235,000 $ 202,735 $ 130,000
Whitley, Kentucky 125 $ 15,425,000 $ 123,400 $ 96,000
Laurel, Kentucky 119 $ 15,785,000 $ 132,647 $ 91,000
Floyd, Kentucky 112 $ 11,700,000 $ 104,464 $ 98,000
Madison, Kentucky 102 $ 18,560,000 $ 181,960 $ 104,000
Campbell, Tennessee 94 $ 21,550,000 $ 229,255 $ 130,000
Taylor, Kentucky 92 $ 10,390,000 $ 112,934 $ 175,000
Perry, Kentucky 88 $ 9,540,000 $ 108,409 $ 105,000
Letcher, Kentucky 81 $ 6,635,000 $ 81,913 $ 83,000
Boyd, Kentucky 72 $ 6,420,000 $ 89,166 $ 96,000
Pulaski, Kentucky 69 $ 9,945,000 $ 144,130 $ 96,000
Clark, Kentucky 65 $ 10,895,000 $ 167,615 $ 104,000
Fleming, Kentucky 59 $ 6,375,000 $ 108,050 $ 107,000
Scott, Kentucky 55 $ 13,135,000 $ 238,818 $ 117,000
Montgomery, Kentucky 53 $ 7,775,000 $ 146,698 $ 88,000
Rockcastle, Kentucky 53 $ 5,315,000 $ 100,283 $ 78,000
Woodford, Kentucky 50 $ 10,430,000 $ 208,600 $ 194,000
Franklin, Kentucky 49 $ 7,345,000 $ 149,897 $ 110,000
Knox, Kentucky 49 $ 6,075,000 $ 123,979 $ 89,000
Green, Kentucky 47 $ 5,105,000 $ 108,617 $ 72,000
Knott, Kentucky 43 $ 5,465,000 $ 127,093 $ 97,000
Mingo, West Virginia 39 $ 3,125,000 $ 80,128 $ 88,000
Greenup, Kentucky 37 $ 6,215,000 $ 167,972 $ 154,000
Bell, Kentucky 36 $ 2,950,000 $ 81,944 $ 73,000
Mercer, Kentucky 36 $ 5,190,000 $ 144,166 $ 85,000
Marion, Kentucky 35 $ 4,405,000 $ 125,857 $ 94,000
Adair, Kentucky 32 $ 3,710,000 $ 115,937 $ 79,000
Anderson, Tennessee 32 $ 11,570,000 $ 361,562 $ 138,000
Russell, Kentucky 30 $ 5,550,000 $ 185,000 $ 114,000
Boyle, Kentucky 28 $ 2,550,000 $ 91,071 $ 74,000
Lawrence, Kentucky 28 $ 3,190,000 $ 113,928 $ 142,000
Johnson, Kentucky 23 $ 2,295,000 $ 99,782 $ 87,000
Wayne, West Virginia 23 $ 1,895,000 $ 82,391 $ 82,000
Jessamine, Kentucky 21 $ 23,585,000 $ 1,123,095 $ 302,000
Anderson, Kentucky 20 $ 5,000,000 $ 250,000 $ 127,000
Knox, Tennessee 19 $ 5,935,000 $ 312,368 $ 136,000
Lincoln, West Virginia 18 $ 1,710,000 $ 95,000 $ 85,000
Jackson, Kentucky 17 $ 2,925,000 $ 172,058 $ 74,000
Claiborne, Tennessee 15 $ 2,155,000 $ 143,666 $ 101,000
Garrard, Kentucky 14 $ 2,600,000 $ 185,714 $ 111,000
Jefferson, Kentucky 14 $ 4,680,000 $ 334,285 $ 280,000
Cabell, West Virginia 14 $ 1,560,000 $ 111,428 $ 87,000
Harrison, Kentucky 13 $ 1,915,000 $ 147,307 $ 140,000
Lawrence, Ohio 13 $ 2,725,000 $ 209,615 $ 131,000
Bath, Kentucky 11 $ 1,575,000 $ 143,181 $ 84,000
McCreary, Kentucky 11 $ 935,000 $ 85,000 $ 101,000
Powell, Kentucky 11 $ 1,695,000 $ 154,090 $ 62,000
Breathitt, Kentucky 10 $ 1,510,000 $ 151,000 $ 122,000
Washington, Kentucky 10 $ 1,190,000 $ 119,000 $ 76,000
Grainger, Tennessee 10 $ 2,030,000 $ 203,000 $ 128,000
Nicholas, West Virginia 10 $ 1,030,000 $ 103,000 $ 75,000
Lewis, Kentucky 9 $ 1,165,000 $ 129,444 $ 75,000
Rowan, Kentucky 9 $ 8,725,000 $ 969,444 $ 113,000
Union, Tennessee 9 $ 2,555,000 $ 283,888 $ 217,000
Mason, Kentucky 8 $ 1,290,000 $ 161,250 $ 79,000
Wayne, Kentucky 8 $ 2,040,000 $ 255,000 $ 193,000
Jefferson, Tennessee 8 $ 2,610,000 $ 326,250 $ 163,000
Sevier, Tennessee 8 $ 7,830,000 $ 978,750 $ 712,000
Bourbon, Kentucky 7 $ 2,405,000 $ 343,571 $ 138,000
Casey, Kentucky 7 $ 765,000 $ 109,285 $ 71,000
Clay, Kentucky 7 $ 1,155,000 $ 165,000 $ 75,000
Lincoln, Kentucky 7 $ 905,000 $ 129,285 $ 71,000
Martin, Kentucky 7 $ 1,235,000 $ 176,428 $ 131,000
Owen, Kentucky 7 $ 1,395,000 $ 199,285 $ 104,000
Harlan, Kentucky 6 $ 730,000 $ 121,666 $ 76,000
Leslie, Kentucky 6 $ 390,000 $ 65,000 $ 88,000
Brown, Ohio 6 $ 860,000 $ 143,333 $ 101,000
Hamblen, Tennessee 6 $ 2,360,000 $ 393,333 $ 160,000
Buchanan, Virginia 6 $ 1,160,000 $ 193,333 $ 183,000
Bracken, Kentucky 5 $ 715,000 $ 143,000 $ 84,000
Campbell, Kentucky 5 $ 1,595,000 $ 319,000 $ 316,000
Estill, Kentucky 5 $ 395,000 $ 79,000 $ 64,000
Magoffin, Kentucky 5 $ 735,000 $ 147,000 $ 82,000
Menifee, Kentucky 5 $ 255,000 $ 51,000 $ 55,000
Morgan, Kentucky 5 $ 625,000 $ 125,000 $ 48,000
Adams, Ohio 5 $ 755,000 $ 151,000 $ 63,000
Morgan, Tennessee 5 $ 995,000 $ 199,000 $ 123,000
Lee, Virginia 5 $ 715,000 $ 143,000 $ 65,000
Bullitt, Kentucky 4 $ 980,000 $ 245,000 $ 110,000
Carter, Kentucky 4 $ 330,000 $ 82,500 $ 88,000
Kenton, Kentucky 4 $ 1,050,000 $ 262,500 $ 97,000
Nelson, Kentucky 4 $ 410,000 $ 102,500 $ 98,000
Nicholas, Kentucky 4 $ 400,000 $ 100,000 $ 218,000
Oldham, Kentucky 4 $ 390,000 $ 97,500 $ 68,000
Pendleton, Kentucky 4 $ 860,000 $ 215,000 $ 79,000
Robertson, Kentucky 4 $ 300,000 $ 75,000 $ 107,000
Dickenson, Virginia 4 $ 790,000 $ 197,500 $ 515,000
Pinellas, Florida 3 $ 975,000 $ 325,000 $ 124,000
Sarasota, Florida 3 $ 855,000 $ 285,000 $ 209,000
Clinton, Kentucky 3 $ 625,000 $ 208,333 $ 91,000
Grant, Kentucky 3 $ 355,000 $ 118,333 $ 51,000
Shelby, Kentucky 3 $ 825,000 $ 275,000 $ 163,000
Spencer, Kentucky 3 $ 475,000 $ 158,333 $ 320,000
Warren, Kentucky 3 $ 905,000 $ 301,666 $ 259,000
Butler, Ohio 3 $ 3,755,000 $ 1,251,666 $ 0
Hamilton, Ohio 3 $ 825,000 $ 275,000 $ 61,000
Raleigh, West Virginia 3 $ 395,000 $ 131,666 $ 0
Lee, Florida 2 $ 2,480,000 $ 1,240,000 $ 0
Manatee, Florida 2 $ 1,540,000 $ 770,000 $ 311,000
Okaloosa, Florida 2 $ 1,470,000 $ 735,000 $ 442,000
Barren, Kentucky 2 $ 250,000 $ 125,000 $ 70,000
Hart, Kentucky 2 $ 380,000 $ 190,000 $ 408,000
Lee, Kentucky 2 $ 200,000 $ 100,000 $ 102,000
Metcalfe, Kentucky 2 $ 170,000 $ 85,000 $ 55,000
Georgetown, South Carolina 2 $ 730,000 $ 365,000 $ 401,000
Horry, South Carolina 2 $ 550,000 $ 275,000 $ 101,000
Blount, Tennessee 2 $ 250,000 $ 125,000 $ 91,000
Monroe, Tennessee 2 $ 700,000 $ 350,000 $ 337,000
Rutherford, Tennessee 2 $ 90,000 $ 45,000 $ 68,000
Sullivan, Tennessee 2 $ 720,000 $ 360,000 $ 113,000
Washington, Tennessee 2 $ 880,000 $ 440,000 $ 256,000
Williamson, Tennessee 2 $ 1,590,000 $ 795,000 $ 340,000
Wise, Virginia 2 $ 1,220,000 $ 610,000 $ 334,000
Jackson, West Virginia 2 $ 200,000 $ 100,000 $ 69,000
Kanawha, West Virginia 2 $ 340,000 $ 170,000 $ 91,000
Logan, West Virginia 2 $ 150,000 $ 75,000 $ 98,000
Marion, West Virginia 2 $ 200,000 $ 100,000 $ 65,000
Baldwin, Alabama 1 $ 1,155,000 $ 1,155,000 $ 335,000
Elmore, Alabama 1 $ 215,000 $ 215,000 $ 150,000
Bay, Florida 1 $ 105,000 $ 105,000 $ 52,000
Hillsborough, Florida 1 $ 305,000 $ 305,000 $ 677,000
Nassau, Florida 1 $ 95,000 $ 95,000 $ 200,000
Orange, Florida 1 $ 45,000 $ 45,000 $ 34,000
Pasco, Florida 1 $ 245,000 $ 245,000 $ 292,000
Volusia, Florida 1 $ 155,000 $ 155,000 $ 97,000
Fulton, Georgia 1 $ 505,000 $ 505,000 $ 112,000
Clark, Indiana 1 $ 40,505,000 $ 40,505,000 $ 0
Floyd, Indiana 1 $ 275,000 $ 275,000 $ 0
Marion, Indiana 1 $ 355,000 $ 355,000 $ 923,000
Wayne, Indiana 1 $ 95,000 $ 95,000 $ 117,000
Boone, Kentucky 1 $ 535,000 $ 535,000 $ 288,000
Butler, Kentucky 1 $ 85,000 $ 85,000 $ 25,000
Christian, Kentucky 1 $ 115,000 $ 115,000 $ 0
Cumberland, Kentucky 1 $ 155,000 $ 155,000 $ 41,000
Elliott, Kentucky 1 $ 195,000 $ 195,000 $ 97,000
Grayson, Kentucky 1 $ 225,000 $ 225,000 $ 0
Meade, Kentucky 1 $ 135,000 $ 135,000 $ 73,000
Ohio, Kentucky 1 $ 35,000 $ 35,000 $ 60,000
Wolfe, Kentucky 1 $ 105,000 $ 105,000 $ 174,000
Cheboygan, Michigan 1 $ 725,000 $ 725,000 $ 400,000
Saginaw, Michigan 1 $ 245,000 $ 245,000 $ 110,000
Brunswick, North Carolina 1 $ 175,000 $ 175,000 $ 433,000
Clermont, Ohio 1 $ 65,000 $ 65,000 $ 99,000
Guernsey, Ohio 1 $ 175,000 $ 175,000 $ 87,000
Jackson, Ohio 1 $ 155,000 $ 155,000 $ 100,000
Scioto, Ohio 1 $ 215,000 $ 215,000 $ 0
Warren, Ohio 1 $ 2,205,000 $ 2,205,000 $ 2,875,000
Beaufort, South Carolina 1 $ 205,000 $ 205,000 $ 114,000
Dorchester, South Carolina 1 $ 675,000 $ 675,000 $ 419,000
Lexington, South Carolina 1 $ 65,000 $ 65,000 $ 47,000
Clay, Tennessee 1 $ 55,000 $ 55,000 $ 596,000
Fentress, Tennessee 1 $ 85,000 $ 85,000 $ 37,000
Greene, Tennessee 1 $ 105,000 $ 105,000 $ 40,000
Hancock, Tennessee 1 $ 265,000 $ 265,000 $ 59,000
Hawkins, Tennessee 1 $ 515,000 $ 515,000 $ 190,000
Jackson, Tennessee 1 $ 35,000 $ 35,000 $ 95,000
Overton, Tennessee 1 $ 165,000 $ 165,000 $ 112,000
Roane, Tennessee 1 $ 405,000 $ 405,000 $ 99,000
Robertson, Tennessee 1 $ 425,000 $ 425,000 $ 114,000
Scott, Tennessee 1 $ 75,000 $ 75,000 $ 101,000
Wilson, Tennessee 1 $ 435,000 $ 435,000 $ 99,000
Hampton, Virginia 1 $ 55,000 $ 55,000 $ 69,000
Lynchburg, Virginia 1 $ 125,000 $ 125,000 $ 209,000
Boone, West Virginia 1 $ 65,000 $ 65,000 $ 86,000
Clay, West Virginia 1 $ 115,000 $ 115,000 $ 90,000
Fayette, West Virginia 1 $ 165,000 $ 165,000 $ 82,000
Mercer, West Virginia 1 $ 15,000 $ 15,000 $ 49,000

Mortgage Loan Application Detail Totals for Community Trust Bank, Inc. in 2023

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 1,282 $358,680,000 $279,000 $40,505,000 $133,000 $8,333,000
Home Improvement 601 $42,785,000 $71,000 $2,005,000 $113,000 $3,805,000
Refinancing 521 $83,755,000 $160,000 $3,005,000 $107,000 $2,195,000
Other Purpose 504 $36,950,000 $73,000 $765,000 $91,000 $728,000
Cash-out Refinancing 23 $3,235,000 $140,000 $295,000 $74,000 $142,000
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 2,539 $382,615,000 $150,000 $3,005,000 $113,000 $3,948,000
Not Provided 154 $27,910,000 $181,000 $1,385,000 $103,000 $687,000
Not applicable 144 $99,760,000 $692,000 $40,505,000 $0 $0
Hispanic 36 $4,180,000 $116,000 $725,000 $102,000 $508,000
Black or African American 34 $5,980,000 $175,000 $955,000 $360,000 $8,333,000
Asian 13 $2,595,000 $199,000 $435,000 $230,000 $750,000
American Indian or Alaskan Native 5 $935,000 $187,000 $455,000 $104,000 $218,000
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) 2,931 $525,405,000 $179,000 $40,505,000 $116,000 $8,333,000
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 2,257 $431,675,000 $191,000 $40,505,000 $122,000 $8,333,000
Application Denied By Financial Institution 421 $49,085,000 $116,000 $1,225,000 $87,000 $3,948,000
Application Withdrawn By Applicant 190 $33,790,000 $177,000 $2,205,000 $122,000 $2,875,000
Application Approved But Not Accepted 63 $10,855,000 $172,000 $815,000 $108,000 $809,000
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 2,510 $476,320,000 $189,000 $40,505,000 $121,000 $8,333,000
Credit History 178 $13,670,000 $76,000 $1,225,000 $74,000 $1,668,000
Debt-To-Income Ratio 98 $18,180,000 $185,000 $765,000 $79,000 $349,000
Other 51 $4,435,000 $86,000 $425,000 $85,000 $596,000
Credit Application Incomplete 47 $8,155,000 $173,000 $755,000 $170,000 $3,948,000
Collateral 32 $2,420,000 $75,000 $385,000 $76,000 $161,000
Employment History 6 $690,000 $115,000 $265,000 $66,000 $168,000
Unverifiable Information 5 $805,000 $161,000 $345,000 $56,000 $114,000
Insufficient Cash (Downpayment, Closing Cost) 4 $730,000 $182,000 $205,000 $74,000 $129,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Trust Bank, Inc.'s 2023 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.

Download the Kentucky Lender List