Central Bank & Trust Co Mortgage Lending & HMDA Data, 2003
In 2003, Central Bank & Trust Co of Lexington, KY reported 1,944 mortgage applications totaling $250.4 million. The average application was for $128,807, and applicants reported an average income of $78,954. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lexington, KY (1,744), Columbus, OH (7) and Louisville, KY-IN (7) (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 | 1,944 |
| Total Mortgage Loan Application Amount | $250,401,000 |
| Average Mortgage Loan Application Amount | $128,807 |
| Highest Mortgage Loan Application Amount | $1,840,000 |
| Average Applicant Income | $78,954 |
| Highest Applicant Income | $3,000,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,163 | $ 157,142,000 | $ 135,117 | $ 68,000 |
| Clark, Kentucky | 374 | $ 33,809,000 | $ 90,398 | $ 49,000 |
| Jessamine, Kentucky | 75 | $ 14,094,000 | $ 187,920 | $ 111,000 |
| Madison, Kentucky | 42 | $ 5,589,000 | $ 133,071 | $ 81,000 |
| Woodford, Kentucky | 38 | $ 6,435,000 | $ 169,342 | $ 83,000 |
| Scott, Kentucky | 33 | $ 4,737,000 | $ 143,545 | $ 90,000 |
| Harrison, Kentucky | 31 | $ 3,296,000 | $ 106,322 | $ 70,000 |
| Powell, Kentucky | 26 | $ 2,119,000 | $ 81,500 | $ 65,000 |
| Montgomery, Kentucky | 22 | $ 2,373,000 | $ 107,863 | $ 55,000 |
| Bourbon, Kentucky | 19 | $ 2,733,000 | $ 143,842 | $ 60,000 |
| Garrard, Kentucky | 18 | $ 2,144,000 | $ 119,111 | $ 53,000 |
| Mercer, Kentucky | 13 | $ 1,444,000 | $ 111,076 | $ 47,000 |
| Franklin, Kentucky | 8 | $ 896,000 | $ 112,000 | $ 61,000 |
| Anderson, Kentucky | 7 | $ 620,000 | $ 88,571 | $ 70,000 |
| Estill, Kentucky | 7 | $ 481,000 | $ 68,714 | $ 58,000 |
| Jefferson, Kentucky | 5 | $ 688,000 | $ 137,600 | $ 45,000 |
| Franklin, Ohio | 5 | $ 502,000 | $ 100,400 | $ 70,000 |
| Boone, Kentucky | 4 | $ 474,000 | $ 118,500 | $ 83,000 |
| Wolfe, Kentucky | 3 | $ 214,000 | $ 71,333 | $ 106,000 |
| Bath, Kentucky | 2 | $ 143,000 | $ 71,500 | $ 70,000 |
| Boyle, Kentucky | 2 | $ 267,000 | $ 133,500 | $ 52,000 |
| Grant, Kentucky | 2 | $ 192,000 | $ 96,000 | $ 69,000 |
| Lincoln, Kentucky | 2 | $ 80,000 | $ 40,000 | $ 21,000 |
| Nicholas, Kentucky | 2 | $ 161,000 | $ 80,500 | $ 74,000 |
| Oldham, Kentucky | 2 | $ 365,000 | $ 182,500 | $ 160,000 |
| Shelby, Kentucky | 2 | $ 249,000 | $ 124,500 | $ 67,000 |
| Middlesex, Massachusetts | 2 | $ 2,330,000 | $ 1,165,000 | $ 2,225,000 |
| Beaufort, South Carolina | 2 | $ 545,000 | $ 272,500 | $ 400,000 |
| Sevier, Tennessee | 2 | $ 315,000 | $ 157,500 | $ 232,000 |
| Limestone, Alabama | 1 | $ 145,000 | $ 145,000 | $ 300,000 |
| Broward, Florida | 1 | $ 102,000 | $ 102,000 | $ 59,000 |
| Charlotte, Florida | 1 | $ 111,000 | $ 111,000 | $ 44,000 |
| Miami-Dade, Florida | 1 | $ 323,000 | $ 323,000 | $ 300,000 |
| Orange, Florida | 1 | $ 268,000 | $ 268,000 | $ 797,000 |
| Fulton, Georgia | 1 | $ 400,000 | $ 400,000 | $ 1,800,000 |
| Boone, Indiana | 1 | $ 323,000 | $ 323,000 | $ 420,000 |
| Hamilton, Indiana | 1 | $ 323,000 | $ 323,000 | $ 1,200,000 |
| Warrick, Indiana | 1 | $ 124,000 | $ 124,000 | $ 34,000 |
| Floyd, Kentucky | 1 | $ 104,000 | $ 104,000 | $ 69,000 |
| Greenup, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Hart, Kentucky | 1 | $ 172,000 | $ 172,000 | $ 178,000 |
| Lee, Kentucky | 1 | $ 58,000 | $ 58,000 | $ 70,000 |
| Magoffin, Kentucky | 1 | $ 127,000 | $ 127,000 | $ 14,000 |
| Marion, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 75,000 |
| Owen, Kentucky | 1 | $ 40,000 | $ 40,000 | $ 32,000 |
| Perry, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 52,000 |
| Pulaski, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 110,000 |
| Rowan, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Santa Fe, New Mexico | 1 | $ 323,000 | $ 323,000 | $ 280,000 |
| Clermont, Ohio | 1 | $ 127,000 | $ 127,000 | $ 65,000 |
| Delaware, Ohio | 1 | $ 213,000 | $ 213,000 | $ 84,000 |
| Greene, Ohio | 1 | $ 84,000 | $ 84,000 | $ 59,000 |
| Hamilton, Ohio | 1 | $ 209,000 | $ 209,000 | $ 93,000 |
| Licking, Ohio | 1 | $ 188,000 | $ 188,000 | $ 86,000 |
| Ross, Ohio | 1 | $ 202,000 | $ 202,000 | $ 162,000 |
| Lane, Oregon | 1 | $ 725,000 | $ 725,000 | $ 895,000 |
| Montgomery, Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 3,000,000 |
| Horry, South Carolina | 1 | $ 69,000 | $ 69,000 | $ 87,000 |
| Marion, Tennessee | 1 | $ 212,000 | $ 212,000 | $ 969,000 |
| Arlington, Virginia | 1 | $ 228,000 | $ 228,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2003
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 (home purchase or home improvement, one-to-four family) | 1,391 | $181,514,000 | $273,700 | $833,000 | $766,100 | $3,000,000 |
| Home Purchase (one-to-four family) | 412 | $64,042,000 | $407,888 | $1,840,000 | $664,000 | $3,000,000 |
| Home Improvement (one-to-four family) | 140 | $3,490,000 | $24,000 | $423,000 | $44,000 | $360,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $1,355,000 | $1,355,000 | $1,355,000 | $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 | 1,811 | $230,573,000 | $238,777 | $1,355,000 | $264,333 | $1,000,000 |
| Black | 60 | $10,038,000 | $385,571 | $1,840,000 | $1,249,142 | $3,000,000 |
| Information not provided by applicant in mail or telephone application | 27 | $1,128,000 | $41,000 | $233,000 | $56,000 | $253,000 |
| Asian or Pacific Islander | 23 | $3,974,000 | $172,000 | $456,000 | $102,000 | $316,000 |
| Other | 10 | $1,950,000 | $195,000 | $412,000 | $112,000 | $272,000 |
| Hispanic | 7 | $795,000 | $113,000 | $198,000 | $57,000 | $101,000 |
| Not applicable | 5 | $1,923,000 | $384,000 | $707,000 | $77,000 | $144,000 |
| American Indian or Alaskan Native | 1 | $20,000 | $20,000 | $20,000 | $25,000 | $25,000 |
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) | 1,912 | $246,838,000 | $334,307 | $1,840,000 | $805,538 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,746,000 | $105,000 | $146,000 | $44,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 6 | $817,000 | $136,000 | $247,000 | $74,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,713 | $226,311,000 | $334,538 | $1,840,000 | $806,307 | $3,000,000 |
| Application Withdrawn By Applicant | 168 | $20,330,000 | $121,000 | $650,000 | $61,000 | $332,000 |
| Application Denied By Financial Institution | 50 | $3,709,000 | $74,000 | $540,000 | $39,000 | $134,000 |
| Loan Purchased By The Institution | 9 | $33,000 | $3,000 | $6,000 | $45,000 | $82,000 |
| Application Approved But Not Accepted | 4 | $18,000 | $4,000 | $8,000 | $46,000 | $77,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 28 | $2,918,000 | $104,000 | $540,000 | $50,000 | $134,000 |
| Debt-To-Income Ratio | 5 | $181,000 | $36,000 | $95,000 | $18,000 | $28,000 |
| Credit Application Incomplete | 2 | $134,000 | $67,000 | $70,000 | $39,000 | $59,000 |
| Collateral | 1 | $68,000 | $68,000 | $68,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $40,000 | $40,000 |
| Other | 1 | $5,000 | $5,000 | $5,000 | $28,000 | $28,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2003 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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