Community Trust Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Community Trust Bank, Inc. 2005 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 | 4,461 |
| Total Mortgage Loan Application Amount | $293,449,000 |
| Average Mortgage Loan Application Amount | $114,846 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $87,923 |
| Highest Applicant Income | $1,944,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 683 | $ 39,676,000 | $ 58,000 | $ 68,000 |
| Letcher County Kentucky | 436 | $ 13,160,000 | $ 30,000 | $ 41,000 |
| Floyd County Kentucky | 250 | $ 14,148,000 | $ 56,000 | $ 48,000 |
| Whitley County Kentucky | 234 | $ 11,727,000 | $ 50,000 | $ 36,000 |
| Pulaski County Kentucky | 167 | $ 15,246,000 | $ 91,000 | $ 61,000 |
| Perry County Kentucky | 147 | $ 10,602,000 | $ 72,000 | $ 91,000 |
| Boyd County Kentucky | 146 | $ 11,528,000 | $ 78,000 | $ 41,000 |
| Fleming County Kentucky | 145 | $ 7,467,000 | $ 51,000 | $ 38,000 |
| Bell County Kentucky | 143 | $ 7,485,000 | $ 52,000 | $ 43,000 |
| Montgomery County Kentucky | 129 | $ 6,578,000 | $ 50,000 | $ 39,000 |
| Knott County Kentucky | 121 | $ 6,088,000 | $ 50,000 | $ 36,000 |
| Mingo County West Virginia | 117 | $ 5,189,000 | $ 44,000 | $ 38,000 |
| Taylor County Kentucky | 115 | $ 8,998,000 | $ 78,000 | $ 67,000 |
| Fayette County Kentucky | 114 | $ 17,037,000 | $ 149,000 | $ 95,000 |
| Clark County Kentucky | 113 | $ 9,710,000 | $ 85,000 | $ 67,000 |
| Laurel County Kentucky | 89 | $ 5,997,000 | $ 67,000 | $ 47,000 |
| Rockcastle County Kentucky | 88 | $ 3,868,000 | $ 43,000 | $ 38,000 |
| Madison County Kentucky | 82 | $ 8,017,000 | $ 97,000 | $ 53,000 |
| Marion County Kentucky | 77 | $ 6,436,000 | $ 83,000 | $ 43,000 |
| Green County Kentucky | 72 | $ 5,474,000 | $ 76,000 | $ 46,000 |
| Johnson County Kentucky | 62 | $ 4,333,000 | $ 69,000 | $ 40,000 |
| Woodford County Kentucky | 55 | $ 5,122,000 | $ 93,000 | $ 106,000 |
| Nicholas County West Virginia | 52 | $ 2,289,000 | $ 44,000 | $ 43,000 |
| Mercer County Kentucky | 50 | $ 4,468,000 | $ 89,000 | $ 54,000 |
| Greenup County Kentucky | 43 | $ 4,299,000 | $ 99,000 | $ 60,000 |
| Adair County Kentucky | 42 | $ 2,001,000 | $ 47,000 | $ 42,000 |
| Wayne County West Virginia | 36 | $ 1,731,000 | $ 48,000 | $ 58,000 |
| Claiborne County Tennessee | 35 | $ 2,609,000 | $ 74,000 | $ 76,000 |
| Lincoln County West Virginia | 32 | $ 1,328,000 | $ 41,000 | $ 38,000 |
| Russell County Kentucky | 29 | $ 2,022,000 | $ 69,000 | $ 63,000 |
| Knox County Kentucky | 27 | $ 1,950,000 | $ 72,000 | $ 47,000 |
| Rowan County Kentucky | 26 | $ 2,150,000 | $ 82,000 | $ 37,000 |
| Lawrence County Kentucky | 24 | $ 1,623,000 | $ 67,000 | $ 51,000 |
| Lincoln County Kentucky | 22 | $ 1,516,000 | $ 68,000 | $ 59,000 |
| Franklin County Kentucky | 18 | $ 1,762,000 | $ 97,000 | $ 95,000 |
| Leslie County Kentucky | 18 | $ 323,000 | $ 17,000 | $ 39,000 |
| Magoffin County Kentucky | 18 | $ 531,000 | $ 29,000 | $ 30,000 |
| Boyle County Kentucky | 17 | $ 1,609,000 | $ 94,000 | $ 43,000 |
| Bath County Kentucky | 16 | $ 1,097,000 | $ 68,000 | $ 40,000 |
| Harlan County Kentucky | 16 | $ 983,000 | $ 61,000 | $ 35,000 |
| Jessamine County Kentucky | 15 | $ 1,636,000 | $ 109,000 | $ 43,000 |
| Menifee County Kentucky | 15 | $ 942,000 | $ 62,000 | $ 53,000 |
| Lawrence County Ohio | 14 | $ 1,118,000 | $ 79,000 | $ 42,000 |
| Martin County Kentucky | 13 | $ 612,000 | $ 47,000 | $ 38,000 |
| Breathitt County Kentucky | 12 | $ 533,000 | $ 44,000 | $ 32,000 |
| Carter County Kentucky | 12 | $ 1,192,000 | $ 99,000 | $ 55,000 |
| Casey County Kentucky | 12 | $ 916,000 | $ 76,000 | $ 34,000 |
| Lewis County Kentucky | 12 | $ 569,000 | $ 47,000 | $ 40,000 |
| Bourbon County Kentucky | 10 | $ 1,848,000 | $ 184,000 | $ 69,000 |
| Mason County Kentucky | 10 | $ 1,104,000 | $ 110,000 | $ 80,000 |
| Nicholas County Kentucky | 10 | $ 752,000 | $ 75,000 | $ 34,000 |
| Scott County Kentucky | 9 | $ 1,885,000 | $ 209,000 | $ 64,000 |
| Estill County Kentucky | 8 | $ 195,000 | $ 24,000 | $ 44,000 |
| Lee County Virginia | 8 | $ 648,000 | $ 81,000 | $ 57,000 |
| Anderson County Kentucky | 7 | $ 320,000 | $ 45,000 | $ 47,000 |
| Garrard County Kentucky | 7 | $ 496,000 | $ 70,000 | $ 60,000 |
| McCreary County Kentucky | 7 | $ 672,000 | $ 96,000 | $ 78,000 |
| Nelson County Kentucky | 7 | $ 748,000 | $ 106,000 | $ 57,000 |
| Campbell County Tennessee | 7 | $ 656,000 | $ 93,000 | $ 50,000 |
| Sevier County Tennessee | 7 | $ 940,000 | $ 134,000 | $ 64,000 |
| Cabell County West Virginia | 7 | $ 787,000 | $ 112,000 | $ 74,000 |
| Jackson County Kentucky | 6 | $ 291,000 | $ 48,000 | $ 29,000 |
| Grainger County Tennessee | 6 | $ 802,000 | $ 133,000 | $ 39,000 |
| Buchanan County Virginia | 6 | $ 128,000 | $ 21,000 | $ 25,000 |
| Jefferson County Kentucky | 5 | $ 852,000 | $ 170,000 | $ 115,000 |
| Powell County Kentucky | 5 | $ 444,000 | $ 88,000 | $ 55,000 |
| Washington County Kentucky | 5 | $ 560,000 | $ 112,000 | $ 54,000 |
| Hamilton County Ohio | 5 | $ 902,000 | $ 180,000 | $ 51,000 |
| Scioto County Ohio | 5 | $ 455,000 | $ 91,000 | $ 33,000 |
| Dickenson County Virginia | 4 | $ 55,000 | $ 13,000 | $ 61,000 |
| Logan County West Virginia | 4 | $ 458,000 | $ 114,000 | $ 64,000 |
| Morgan County Kentucky | 3 | $ 173,000 | $ 57,000 | $ 45,000 |
| Owen County Kentucky | 3 | $ 178,000 | $ 59,000 | $ 67,000 |
| Shelby County Kentucky | 3 | $ 388,000 | $ 129,000 | $ 141,000 |
| Jefferson County Tennessee | 3 | $ 325,000 | $ 108,000 | $ 73,000 |
| Fayette County West Virginia | 3 | $ 85,000 | $ 28,000 | $ 27,000 |
| Leon County Florida | 2 | $ 126,000 | $ 63,000 | $ 46,000 |
| Campbell County Kentucky | 2 | $ 407,000 | $ 203,000 | $ 64,000 |
| Clay County Kentucky | 2 | $ 19,000 | $ 9,000 | $ 70,000 |
| Clinton County Kentucky | 2 | $ 326,000 | $ 163,000 | $ 77,000 |
| Elliott County Kentucky | 2 | $ 130,000 | $ 65,000 | $ 50,000 |
| Larue County Kentucky | 2 | $ 106,000 | $ 53,000 | $ 27,000 |
| Wayne County Kentucky | 2 | $ 115,000 | $ 57,000 | $ 66,000 |
| Wolfe County Kentucky | 2 | $ 243,000 | $ 121,000 | $ 183,000 |
| Georgetown County South Carolina | 2 | $ 938,000 | $ 469,000 | $ 114,000 |
| Knox County Tennessee | 2 | $ 269,000 | $ 134,000 | $ 75,000 |
| Shelby County Tennessee | 2 | $ 289,000 | $ 144,000 | $ 107,000 |
| Franklin County Virginia | 2 | $ 900,000 | $ 450,000 | $ 112,000 |
| Norton County Virginia | 2 | $ 290,000 | $ 145,000 | $ 153,000 |
| Wise County Virginia | 2 | $ 167,000 | $ 83,000 | $ 55,000 |
| Clay County West Virginia | 2 | $ 107,000 | $ 53,000 | $ 25,000 |
| Kanawha County West Virginia | 2 | $ 96,000 | $ 48,000 | $ 61,000 |
| Webster County West Virginia | 2 | $ 54,000 | $ 27,000 | $ 43,000 |
| Los Angeles County California | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Indian River County Florida | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Lee County Florida | 1 | $ 204,000 | $ 204,000 | $ 96,000 |
| Nassau County Florida | 1 | $ 225,000 | $ 225,000 | $ 135,000 |
| Orange County Florida | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Osceola County Florida | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Pinellas County Florida | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Polk County Florida | 1 | $ 565,000 | $ 565,000 | $ 368,000 |
| Walton County Florida | 1 | $ 75,000 | $ 75,000 | $ 240,000 |
| Chatham County Georgia | 1 | $ 360,000 | $ 360,000 | $ 100,000 |
| Murray County Georgia | 1 | $ 3,000 | $ 3,000 | $ 22,000 |
| Whitfield County Georgia | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Bartholomew County Indiana | 1 | $ 166,000 | $ 166,000 | $ 540,000 |
| Bracken County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Cumberland County Kentucky | 1 | $ 24,000 | $ 24,000 | $ 19,000 |
| Harrison County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Metcalfe County Kentucky | 1 | $ 179,000 | $ 179,000 | $ 49,000 |
| Owsley County Kentucky | 1 | $ 93,000 | $ 93,000 | $ 38,000 |
| Brunswick County North Carolina | 1 | $ 31,000 | $ 31,000 | $ 108,000 |
| Durham County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 41,000 |
| Harnett County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 298,000 |
| Adams County Ohio | 1 | $ 61,000 | $ 61,000 | $ 48,000 |
| Brown County Ohio | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Clermont County Ohio | 1 | $ 27,000 | $ 27,000 | $ 30,000 |
| Clinton County Ohio | 1 | $ 70,000 | $ 70,000 | $ 36,000 |
| Franklin County Ohio | 1 | $ 113,000 | $ 113,000 | $ 16,000 |
| Gallia County Ohio | 1 | $ 86,000 | $ 86,000 | $ 66,000 |
| Beaufort County South Carolina | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 319,000 | $ 319,000 | $ 1,039,000 |
| Horry County South Carolina | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 114,000 | $ 114,000 | $ 41,000 |
| Greene County Tennessee | 1 | $ 159,000 | $ 159,000 | $ 38,000 |
| Hawkins County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Jackson County Tennessee | 1 | $ 14,000 | $ 14,000 | $ 24,000 |
| Montgomery County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Roane County Tennessee | 1 | $ 107,000 | $ 107,000 | $ 29,000 |
| Rutherford County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Sullivan County Tennessee | 1 | $ 24,000 | $ 24,000 | $ 49,000 |
| Washington County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Alexandria County Virginia | 1 | $ 276,000 | $ 276,000 | $ 101,000 |
| Tazewell County Virginia | 1 | $ 295,000 | $ 295,000 | $ 50,000 |
| Greenbrier County West Virginia | 1 | $ 40,000 | $ 40,000 | $ 58,000 |
| Pocahontas County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Putnam County West Virginia | 1 | $ 263,000 | $ 263,000 | $ 174,000 |
| Raleigh County West Virginia | 1 | $ 32,000 | $ 32,000 | $ 65,000 |
| Wood County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Community Trust Bank, Inc. in 2005
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 | 1,902 | $164,901,000 | $154,888 | $850,000 | $129,111 | $900,000 |
| Home Purchase | 1,401 | $117,218,000 | $139,100 | $3,000,000 | $86,600 | $1,944,000 |
| Home Improvement | 1,158 | $11,330,000 | $28,714 | $300,000 | $36,857 | $525,000 |
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 | 4,293 | $275,519,000 | $128,888 | $3,000,000 | $104,555 | $1,944,000 |
| Not applicable | 54 | $8,572,000 | $214,000 | $730,000 | $0 | $0 |
| Black or African American | 43 | $2,484,000 | $57,666 | $158,000 | $36,000 | $696,000 |
| Not Provided | 22 | $2,191,000 | $88,000 | $360,000 | $45,333 | $172,000 |
| Hispanic | 20 | $1,002,000 | $33,666 | $152,000 | $32,000 | $99,000 |
| Asian | 20 | $3,086,000 | $108,750 | $475,000 | $181,500 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $565,000 | $113,000 | $359,000 | $141,000 | $292,000 |
| American Indian or Alaskan Native | 4 | $30,000 | $7,000 | $23,000 | $27,500 | $35,000 |
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) | 4,461 | $293,449,000 | $129,272 | $3,000,000 | $122,090 | $1,944,000 |
| 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 | 3,553 | $234,156,000 | $132,454 | $3,000,000 | $123,545 | $1,944,000 |
| Application Denied By Financial Institution | 569 | $33,001,000 | $67,333 | $330,000 | $61,833 | $696,000 |
| Application Approved But Not Accepted | 216 | $17,980,000 | $103,333 | $700,000 | $53,666 | $511,000 |
| Application Withdrawn By Applicant | 118 | $7,677,000 | $88,000 | $275,000 | $50,500 | $288,000 |
| File Closed For Incompleteness | 5 | $635,000 | $86,000 | $450,000 | $35,500 | $111,000 |
| 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 | 256 | $18,768,000 | $67,333 | $330,000 | $77,833 | $696,000 |
| Debt-To-Income Ratio | 60 | $5,538,000 | $85,500 | $215,000 | $42,250 | $104,000 |
| Other | 40 | $3,078,000 | $88,000 | $186,000 | $53,833 | $341,000 |
| Collateral | 37 | $2,758,000 | $73,000 | $210,000 | $49,000 | $123,000 |
| Credit Application Incomplete | 7 | $376,000 | $53,000 | $70,000 | $48,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $205,000 | $51,000 | $67,000 | $26,000 | $31,000 |
| Employment History | 3 | $168,000 | $56,000 | $90,000 | $36,000 | $60,000 |
| Unverifiable Information | 1 | $97,000 | $97,000 | $97,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community Trust Bank, Inc.'s 2005 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.