Central Bank & Trust Co Mortgage Lending & HMDA Data, 2025
In 2025, Central Bank & Trust Co of Lexington, KY reported 1,157 mortgage applications totaling $289.3 million, down 7% from 2024. The average application was for $250,047, and applicants reported an average income of $222,252. 80% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (651), Louisville/Jefferson County, KY-IN (187) and Cincinnati, OH-KY-IN (117) (applications in parentheses).
| Mortgage Company & Address | Central Bank & Trust Co Po Box 1360 Lexington, KY 40588 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 | 1,157 |
| Total Mortgage Loan Application Amount | $289,305,000 |
| Average Mortgage Loan Application Amount | $250,047 |
| Highest Mortgage Loan Application Amount | $4,935,000 |
| Average Applicant Income | $222,252 |
| Highest Applicant Income | $3,296,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayette, Kentucky | 400 | $ 105,970,000 | $ 264,925 | $ 267,000 |
| Jefferson, Kentucky | 115 | $ 21,645,000 | $ 188,217 | $ 181,000 |
| Jessamine, Kentucky | 93 | $ 30,455,000 | $ 327,473 | $ 268,000 |
| Madison, Kentucky | 79 | $ 17,365,000 | $ 219,810 | $ 166,000 |
| Scott, Kentucky | 77 | $ 14,985,000 | $ 194,610 | $ 151,000 |
| Clark, Kentucky | 56 | $ 7,980,000 | $ 142,500 | $ 125,000 |
| Kenton, Kentucky | 56 | $ 19,990,000 | $ 356,964 | $ 412,000 |
| Boone, Kentucky | 30 | $ 5,630,000 | $ 187,666 | $ 185,000 |
| Oldham, Kentucky | 26 | $ 6,140,000 | $ 236,153 | $ 239,000 |
| Harrison, Kentucky | 23 | $ 4,765,000 | $ 207,173 | $ 94,000 |
| Woodford, Kentucky | 16 | $ 4,840,000 | $ 302,500 | $ 220,000 |
| Franklin, Kentucky | 14 | $ 6,810,000 | $ 486,428 | $ 87,000 |
| Bullitt, Kentucky | 12 | $ 920,000 | $ 76,666 | $ 127,000 |
| Garrard, Kentucky | 12 | $ 3,020,000 | $ 251,666 | $ 147,000 |
| Campbell, Kentucky | 11 | $ 2,935,000 | $ 266,818 | $ 198,000 |
| Montgomery, Kentucky | 11 | $ 1,395,000 | $ 126,818 | $ 102,000 |
| Floyd, Indiana | 9 | $ 1,205,000 | $ 133,888 | $ 164,000 |
| Bourbon, Kentucky | 9 | $ 1,885,000 | $ 209,444 | $ 165,000 |
| Hamilton, Ohio | 9 | $ 3,935,000 | $ 437,222 | $ 270,000 |
| Anderson, Kentucky | 8 | $ 990,000 | $ 123,750 | $ 57,000 |
| Clark, Indiana | 7 | $ 605,000 | $ 86,428 | $ 116,000 |
| Shelby, Kentucky | 7 | $ 1,565,000 | $ 223,571 | $ 260,000 |
| Grant, Kentucky | 6 | $ 1,320,000 | $ 220,000 | $ 193,000 |
| Harrison, Indiana | 4 | $ 420,000 | $ 105,000 | $ 117,000 |
| Estill, Kentucky | 4 | $ 470,000 | $ 117,500 | $ 228,000 |
| Hardin, Kentucky | 4 | $ 4,370,000 | $ 1,092,500 | $ 69,000 |
| Bath, Kentucky | 3 | $ 195,000 | $ 65,000 | $ 59,000 |
| Rockcastle, Kentucky | 3 | $ 505,000 | $ 168,333 | $ 79,000 |
| Charlotte, Florida | 2 | $ 1,200,000 | $ 600,000 | $ 481,000 |
| Sarasota, Florida | 2 | $ 2,270,000 | $ 1,135,000 | $ 571,000 |
| Washington, Indiana | 2 | $ 560,000 | $ 280,000 | $ 83,000 |
| Boyd, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 95,000 |
| Boyle, Kentucky | 2 | $ 330,000 | $ 165,000 | $ 61,000 |
| Jackson, Kentucky | 2 | $ 50,000 | $ 25,000 | $ 72,000 |
| Mercer, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 519,000 |
| Nelson, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 113,000 |
| Owen, Kentucky | 2 | $ 570,000 | $ 285,000 | $ 123,000 |
| Spencer, Kentucky | 2 | $ 310,000 | $ 155,000 | $ 110,000 |
| Washington, Kentucky | 2 | $ 1,190,000 | $ 595,000 | $ 304,000 |
| Elmore, Alabama | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Mesa, Colorado | 1 | $ 555,000 | $ 555,000 | $ 151,000 |
| Leon, Florida | 1 | $ 695,000 | $ 695,000 | $ 603,000 |
| Orange, Florida | 1 | $ 405,000 | $ 405,000 | $ 583,000 |
| Osceola, Florida | 1 | $ 205,000 | $ 205,000 | $ 288,000 |
| Fulton, Georgia | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 605,000 | $ 605,000 | $ 369,000 |
| Breathitt, Kentucky | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Casey, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Floyd, Kentucky | 1 | $ 565,000 | $ 565,000 | $ 625,000 |
| Gallatin, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 71,000 |
| Henry, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Laurel, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 126,000 |
| Lincoln, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| McCreary, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Morgan, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Nicholas, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Pendleton, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Pulaski, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 387,000 |
| Whitley, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| St. Louis, Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| St. Louis City, Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 101,000 |
| Butler, Ohio | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Clermont, Ohio | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Warren, Ohio | 1 | $ 205,000 | $ 205,000 | $ 549,000 |
| Charleston, South Carolina | 1 | $ 1,805,000 | $ 1,805,000 | $ 645,000 |
| Knox, Tennessee | 1 | $ 525,000 | $ 525,000 | $ 193,000 |
| Tipton, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 106,000 |
| Prince William, Virginia | 1 | $ 155,000 | $ 155,000 | $ 217,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2025
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 | 509 | $182,765,000 | $359,000 | $4,265,000 | $247,000 | $2,188,000 |
| Home Improvement | 235 | $31,145,000 | $132,000 | $4,935,000 | $198,000 | $1,595,000 |
| Other Purpose | 213 | $23,535,000 | $110,000 | $1,005,000 | $160,000 | $3,296,000 |
| Refinancing | 169 | $44,205,000 | $261,000 | $1,825,000 | $266,000 | $1,595,000 |
| Cash-out Refinancing | 31 | $7,655,000 | $246,000 | $835,000 | $189,000 | $1,872,000 |
| 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 | 891 | $225,935,000 | $253,000 | $1,915,000 | $228,000 | $3,296,000 |
| Not Provided | 135 | $20,615,000 | $152,000 | $805,000 | $190,000 | $1,508,000 |
| Not applicable | 52 | $23,830,000 | $458,000 | $4,935,000 | $0 | $0 |
| Black or African American | 42 | $8,440,000 | $200,000 | $1,505,000 | $171,000 | $1,300,000 |
| Hispanic | 21 | $2,985,000 | $142,000 | $465,000 | $94,000 | $262,000 |
| Asian | 16 | $7,500,000 | $468,000 | $1,195,000 | $412,000 | $657,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,110 | $277,370,000 | $249,000 | $4,935,000 | $227,000 | $3,296,000 |
| FHA-insured (Federal Housing Administration) | 34 | $8,120,000 | $238,000 | $525,000 | $88,000 | $184,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,815,000 | $312,000 | $395,000 | $122,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,000,000 | $250,000 | $265,000 | $77,000 | $81,000 |
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 | 926 | $244,590,000 | $264,000 | $4,935,000 | $241,000 | $3,296,000 |
| Application Denied By Financial Institution | 104 | $13,880,000 | $133,000 | $1,005,000 | $138,000 | $1,872,000 |
| Application Withdrawn By Applicant | 101 | $24,535,000 | $242,000 | $1,015,000 | $152,000 | $686,000 |
| Application Approved But Not Accepted | 24 | $5,570,000 | $232,000 | $935,000 | $165,000 | $563,000 |
| Loan Purchased By The Institution | 2 | $730,000 | $365,000 | $535,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,053 | $275,425,000 | $261,000 | $4,935,000 | $230,000 | $3,296,000 |
| Credit History | 36 | $4,710,000 | $130,000 | $1,005,000 | $209,000 | $1,872,000 |
| Debt-To-Income Ratio | 35 | $4,235,000 | $121,000 | $375,000 | $68,000 | $171,000 |
| Credit Application Incomplete | 8 | $1,820,000 | $227,000 | $495,000 | $92,000 | $216,000 |
| Collateral | 7 | $755,000 | $107,000 | $235,000 | $182,000 | $713,000 |
| Other | 6 | $730,000 | $121,000 | $165,000 | $185,000 | $360,000 |
| Employment History | 6 | $710,000 | $118,000 | $525,000 | $75,000 | $244,000 |
| Unverifiable Information | 5 | $595,000 | $119,000 | $505,000 | $180,000 | $540,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $325,000 | $325,000 | $325,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2025 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 Central Bank & Trust Co'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.
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