Central Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Central Bank & Trust Company 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 | Central Bank & Trust Company Po Box 1360 Lexington, KY 40588 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 | 1,173 |
| Total Mortgage Loan Application Amount | $176,636,000 |
| Average Mortgage Loan Application Amount | $208,448 |
| Highest Mortgage Loan Application Amount | $2,724,000 |
| Average Applicant Income | $350,172 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Central Bank & Trust Company. 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 Central Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Central Bank & Trust Company'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 Central Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Central Bank & Trust Company, 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 Central Bank & Trust Company'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 |
|---|---|---|---|---|
| Fayette County Kentucky | 621 | $ 96,116,000 | $ 154,000 | $ 65,000 |
| Clark County Kentucky | 183 | $ 21,122,000 | $ 115,000 | $ 50,000 |
| Jessamine County Kentucky | 59 | $ 8,343,000 | $ 141,000 | $ 90,000 |
| Harrison County Kentucky | 28 | $ 2,989,000 | $ 106,000 | $ 49,000 |
| Madison County Kentucky | 26 | $ 4,339,000 | $ 166,000 | $ 60,000 |
| Montgomery County Kentucky | 25 | $ 3,091,000 | $ 123,000 | $ 82,000 |
| Bourbon County Kentucky | 24 | $ 3,064,000 | $ 127,000 | $ 81,000 |
| Scott County Kentucky | 22 | $ 4,653,000 | $ 211,000 | $ 97,000 |
| Woodford County Kentucky | 21 | $ 3,687,000 | $ 175,000 | $ 108,000 |
| Powell County Kentucky | 17 | $ 1,972,000 | $ 116,000 | $ 49,000 |
| Garrard County Kentucky | 10 | $ 1,253,000 | $ 125,000 | $ 41,000 |
| Jefferson County Kentucky | 9 | $ 1,955,000 | $ 217,000 | $ 160,000 |
| Macon County Illinois | 7 | $ 351,000 | $ 50,000 | $ 20,000 |
| Manatee County Florida | 4 | $ 2,558,000 | $ 639,000 | $ 500,000 |
| Estill County Kentucky | 4 | $ 175,000 | $ 43,000 | $ 44,000 |
| Mercer County Kentucky | 4 | $ 922,000 | $ 230,000 | $ 95,000 |
| Baldwin County Alabama | 3 | $ 1,238,000 | $ 412,000 | $ 167,000 |
| Anderson County Kentucky | 3 | $ 352,000 | $ 117,000 | $ 238,000 |
| Boyle County Kentucky | 3 | $ 1,003,000 | $ 334,000 | $ 71,000 |
| Menifee County Kentucky | 3 | $ 189,000 | $ 63,000 | $ 41,000 |
| Nicholas County Kentucky | 3 | $ 201,000 | $ 67,000 | $ 56,000 |
| Pulaski County Kentucky | 3 | $ 267,000 | $ 89,000 | $ 107,000 |
| Wolfe County Kentucky | 3 | $ 177,000 | $ 59,000 | $ 59,000 |
| Dallas County Texas | 3 | $ 677,000 | $ 225,000 | $ 1,621,000 |
| Jefferson County Alabama | 2 | $ 326,000 | $ 163,000 | $ 121,000 |
| Summit County Colorado | 2 | $ 405,000 | $ 202,000 | $ 166,000 |
| Collier County Florida | 2 | $ 899,000 | $ 449,000 | $ 5,038,000 |
| Grant County Kentucky | 2 | $ 227,000 | $ 113,000 | $ 77,000 |
| Laurel County Kentucky | 2 | $ 294,000 | $ 147,000 | $ 120,000 |
| Oldham County Kentucky | 2 | $ 550,000 | $ 275,000 | $ 50,000 |
| Spencer County Kentucky | 2 | $ 165,000 | $ 82,000 | $ 84,000 |
| Franklin County Ohio | 2 | $ 292,000 | $ 146,000 | $ 80,000 |
| Hamilton County Ohio | 2 | $ 147,000 | $ 73,000 | $ 44,000 |
| Lane County Oregon | 2 | $ 230,000 | $ 115,000 | $ 115,000 |
| Beaufort County South Carolina | 2 | $ 378,000 | $ 189,000 | $ 231,000 |
| Lee County Florida | 1 | $ 218,000 | $ 218,000 | $ 195,000 |
| Nassau County Florida | 1 | $ 297,000 | $ 297,000 | $ 122,000 |
| Okaloosa County Florida | 1 | $ 322,000 | $ 322,000 | $ 198,000 |
| Pinellas County Florida | 1 | $ 2,724,000 | $ 2,724,000 | $ 0 |
| Chatham County Georgia | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Cobb County Georgia | 1 | $ 296,000 | $ 296,000 | $ 184,000 |
| Grundy County Illinois | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Johnson County Indiana | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Bath County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 79,000 |
| Boyd County Kentucky | 1 | $ 46,000 | $ 46,000 | $ 35,000 |
| Breathitt County Kentucky | 1 | $ 119,000 | $ 119,000 | $ 37,000 |
| Campbell County Kentucky | 1 | $ 88,000 | $ 88,000 | $ 180,000 |
| Casey County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 20,000 |
| Franklin County Kentucky | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Johnson County Kentucky | 1 | $ 188,000 | $ 188,000 | $ 238,000 |
| Owen County Kentucky | 1 | $ 119,000 | $ 119,000 | $ 182,000 |
| Pike County Kentucky | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
| Rowan County Kentucky | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Washington County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Wayne County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 300,000 |
| Whitley County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 169,000 |
| Washtenaw County Michigan | 1 | $ 170,000 | $ 170,000 | $ 285,000 |
| Lafayette County Mississippi | 1 | $ 280,000 | $ 280,000 | $ 250,000 |
| Sandoval County New Mexico | 1 | $ 144,000 | $ 144,000 | $ 88,000 |
| Chautauqua County New York | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Caldwell County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 234,000 |
| Pitt County North Carolina | 1 | $ 66,000 | $ 66,000 | $ 101,000 |
| Transylvania County North Carolina | 1 | $ 64,000 | $ 64,000 | $ 188,000 |
| Yancey County North Carolina | 1 | $ 593,000 | $ 593,000 | $ 234,000 |
| Butler County Ohio | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Clermont County Ohio | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Union County Ohio | 1 | $ 80,000 | $ 80,000 | $ 78,000 |
| Berks County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 77,000 |
| Lancaster County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Greenville County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 540,000 |
| Campbell County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 169,000 |
| Davidson County Tennessee | 1 | $ 172,000 | $ 172,000 | $ 36,000 |
| Door County Wisconsin | 1 | $ 224,000 | $ 224,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Company 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 586 | $95,247,000 | $190,111 | $2,724,000 | $211,944 | $4,800,000 |
| Refinancing | 506 | $79,366,000 | $259,900 | $1,304,000 | $628,500 | $9,999,000 |
| Home Improvement | 81 | $2,023,000 | $24,000 | $266,000 | $55,000 | $844,000 |
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 | 972 | $142,547,000 | $185,473 | $962,000 | $119,578 | $770,000 |
| Not Provided | 96 | $15,380,000 | $310,750 | $1,304,000 | $2,564,750 | $9,999,000 |
| Not applicable | 61 | $12,849,000 | $1,446,000 | $2,724,000 | $4,500 | $83,000 |
| Black or African American | 32 | $3,483,000 | $128,666 | $360,000 | $1,631,333 | $4,800,000 |
| Hispanic | 6 | $1,027,000 | $171,000 | $280,000 | $90,000 | $160,000 |
| Asian | 6 | $1,350,000 | $203,000 | $530,000 | $181,000 | $285,000 |
| 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) | 1,154 | $174,704,000 | $197,050 | $2,724,000 | $266,400 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,841,000 | $91,500 | $134,000 | $61,250 | $160,000 |
| VA-guaranteed (Veterans Administration) | 1 | $91,000 | $91,000 | $91,000 | $42,000 | $42,000 |
| 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 | 1,000 | $156,704,000 | $202,333 | $2,724,000 | $288,666 | $9,999,000 |
| Application Withdrawn By Applicant | 106 | $15,015,000 | $124,000 | $770,000 | $84,000 | $770,000 |
| Application Denied By Financial Institution | 32 | $1,156,000 | $36,000 | $134,000 | $44,000 | $240,000 |
| Preapproval Approved but not Accepted | 24 | $3,182,000 | $132,000 | $387,000 | $48,000 | $180,000 |
| Loan Purchased By The Institution | 8 | $482,000 | $60,000 | $460,000 | $36,000 | $83,000 |
| Application Approved But Not Accepted | 2 | $7,000 | $3,000 | $5,000 | $21,000 | $30,000 |
| Preapproval Denied by Financial Institution | 1 | $90,000 | $90,000 | $90,000 | $14,000 | $14,000 |
| 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 | 17 | $877,000 | $51,000 | $134,000 | $30,000 | $71,000 |
| Debt-To-Income Ratio | 2 | $149,000 | $74,000 | $119,000 | $29,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $28,000 | $14,000 | $23,000 | $128,000 | $240,000 |
| Other | 1 | $44,000 | $44,000 | $44,000 | $121,000 | $121,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Company'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 Central Bank & Trust Company'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.