Central Bank & Trust Co Mortgage Lending & HMDA Data, 2004
In 2004, Central Bank & Trust Co of Lexington, KY reported 1,000 mortgage applications totaling $137.2 million, down 49% from 2003. The average application was for $137,175, and applicants reported an average income of $74,006. 82% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lexington-Fayette, KY (858), Louisville, KY-IN (7) and Cincinnati-Middletown, OH-KY-IN (3) (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 | 1,000 |
| Total Mortgage Loan Application Amount | $137,175,000 |
| Average Mortgage Loan Application Amount | $137,175 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $74,006 |
| 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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 597 | $ 84,923,000 | $ 142,249 | $ 66,000 |
| Clark, Kentucky | 144 | $ 13,991,000 | $ 97,159 | $ 52,000 |
| Jessamine, Kentucky | 43 | $ 7,128,000 | $ 165,767 | $ 90,000 |
| Bourbon, Kentucky | 29 | $ 3,420,000 | $ 117,931 | $ 57,000 |
| Madison, Kentucky | 27 | $ 3,567,000 | $ 132,111 | $ 63,000 |
| Scott, Kentucky | 25 | $ 2,879,000 | $ 115,160 | $ 53,000 |
| Woodford, Kentucky | 20 | $ 3,404,000 | $ 170,200 | $ 81,000 |
| Harrison, Kentucky | 16 | $ 1,784,000 | $ 111,500 | $ 60,000 |
| Montgomery, Kentucky | 14 | $ 1,720,000 | $ 122,857 | $ 76,000 |
| Garrard, Kentucky | 7 | $ 798,000 | $ 114,000 | $ 54,000 |
| Powell, Kentucky | 7 | $ 561,000 | $ 80,142 | $ 47,000 |
| Mercer, Kentucky | 6 | $ 1,346,000 | $ 224,333 | $ 112,000 |
| Anderson, Kentucky | 5 | $ 642,000 | $ 128,400 | $ 47,000 |
| Franklin, Kentucky | 5 | $ 824,000 | $ 164,800 | $ 46,000 |
| Jefferson, Kentucky | 5 | $ 717,000 | $ 143,400 | $ 112,000 |
| Manatee, Florida | 3 | $ 1,173,000 | $ 391,000 | $ 330,000 |
| Boyle, Kentucky | 3 | $ 264,000 | $ 88,000 | $ 59,000 |
| Laurel, Kentucky | 3 | $ 733,000 | $ 244,333 | $ 43,000 |
| Clermont, Ohio | 3 | $ 196,000 | $ 65,333 | $ 80,000 |
| Estill, Kentucky | 2 | $ 92,000 | $ 46,000 | $ 36,000 |
| Oldham, Kentucky | 2 | $ 412,000 | $ 206,000 | $ 70,000 |
| Warren, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 128,000 |
| Wolfe, Kentucky | 2 | $ 129,000 | $ 64,500 | $ 49,000 |
| Charleston, South Carolina | 2 | $ 670,000 | $ 335,000 | $ 245,000 |
| Collin, Texas | 2 | $ 261,000 | $ 130,500 | $ 45,000 |
| Shelby, Alabama | 1 | $ 136,000 | $ 136,000 | $ 112,000 |
| Cochise, Arizona | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
| Bay, Florida | 1 | $ 1,025,000 | $ 1,025,000 | $ 465,000 |
| Brevard, Florida | 1 | $ 134,000 | $ 134,000 | $ 250,000 |
| Broward, Florida | 1 | $ 233,000 | $ 233,000 | $ 147,000 |
| Glades, Florida | 1 | $ 67,000 | $ 67,000 | $ 154,000 |
| Lee, Florida | 1 | $ 130,000 | $ 130,000 | $ 172,000 |
| Orange, Florida | 1 | $ 188,000 | $ 188,000 | $ 68,000 |
| Clayton, Georgia | 1 | $ 92,000 | $ 92,000 | $ 30,000 |
| Rabun, Georgia | 1 | $ 240,000 | $ 240,000 | $ 905,000 |
| Cook, Illinois | 1 | $ 357,000 | $ 357,000 | $ 117,000 |
| Macon, Illinois | 1 | $ 31,000 | $ 31,000 | $ 15,000 |
| McHenry, Illinois | 1 | $ 161,000 | $ 161,000 | $ 26,000 |
| Hamilton, Indiana | 1 | $ 536,000 | $ 536,000 | $ 3,000,000 |
| Boone, Kentucky | 1 | $ 196,000 | $ 196,000 | $ 49,000 |
| Mason, Kentucky | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| Nicholas, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 61,000 |
| Pike, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Pulaski, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 44,000 |
| Rowan, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 58,000 |
| Todd, Kentucky | 1 | $ 64,000 | $ 64,000 | $ 26,000 |
| Suffolk, Massachusetts | 1 | $ 319,000 | $ 319,000 | $ 101,000 |
| Oakland, Michigan | 1 | $ 505,000 | $ 505,000 | $ 971,000 |
| Delaware, Ohio | 1 | $ 120,000 | $ 120,000 | $ 55,000 |
| Dallas, Texas | 1 | $ 74,000 | $ 74,000 | $ 216,000 |
| Arlington, Virginia | 1 | $ 231,000 | $ 231,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2004
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 | 550 | $75,035,000 | $149,714 | $1,600,000 | $205,000 | $1,200,000 |
| Home Purchase | 361 | $59,141,000 | $279,272 | $1,875,000 | $458,636 | $3,000,000 |
| Home Improvement | 89 | $2,999,000 | $33,000 | $1,450,000 | $47,000 | $732,000 |
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 | 895 | $122,835,000 | $180,900 | $1,875,000 | $184,400 | $1,789,000 |
| Black or African American | 38 | $4,183,000 | $258,800 | $536,000 | $853,000 | $3,000,000 |
| Not Provided | 30 | $5,030,000 | $167,000 | $895,000 | $63,000 | $372,000 |
| Not applicable | 15 | $1,921,000 | $544,500 | $1,025,000 | $269,000 | $465,000 |
| Asian | 13 | $2,014,000 | $230,000 | $359,000 | $75,000 | $130,000 |
| Hispanic | 7 | $1,028,000 | $146,000 | $197,000 | $106,000 | $326,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $99,000 | $99,000 | $99,000 | $58,000 | $58,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $8,000 | $8,000 |
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) | 986 | $135,640,000 | $243,230 | $1,875,000 | $428,230 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,305,000 | $100,000 | $137,000 | $44,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 1 | $230,000 | $230,000 | $230,000 | $50,000 | $50,000 |
| 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 | 825 | $121,333,000 | $243,923 | $1,875,000 | $429,307 | $3,000,000 |
| Application Withdrawn By Applicant | 100 | $11,364,000 | $113,000 | $650,000 | $62,000 | $262,000 |
| Application Denied By Financial Institution | 67 | $3,914,000 | $58,000 | $895,000 | $37,000 | $84,000 |
| Application Approved But Not Accepted | 3 | $80,000 | $26,000 | $62,000 | $11,000 | $28,000 |
| Loan Purchased By The Institution | 3 | $412,000 | $137,000 | $385,000 | $60,000 | $75,000 |
| File Closed For Incompleteness | 2 | $72,000 | $36,000 | $65,000 | $34,000 | $60,000 |
| 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 | 39 | $1,811,000 | $46,000 | $178,000 | $35,000 | $84,000 |
| Collateral | 4 | $246,000 | $61,000 | $96,000 | $47,000 | $65,000 |
| Employment History | 2 | $133,000 | $66,000 | $74,000 | $29,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $68,000 | $68,000 | $68,000 | $28,000 | $28,000 |
| Other | 1 | $109,000 | $109,000 | $109,000 | $69,000 | $69,000 |
| Debt-To-Income Ratio | 1 | $2,000 | $2,000 | $2,000 | $22,000 | $22,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2004 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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