Central Bank & Trust Co Mortgage Lending & HMDA Data, 2005
In 2005, Central Bank & Trust Co of Lexington, KY reported 1,173 mortgage applications totaling $176.6 million, up 17% from 2004. The average application was for $150,584, and applicants reported an average income of $90,859. 85% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lexington-Fayette, KY (930), Louisville, KY-IN (13) and Decatur, IL (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 | 1,173 |
| Total Mortgage Loan Application Amount | $176,636,000 |
| Average Mortgage Loan Application Amount | $150,584 |
| Highest Mortgage Loan Application Amount | $2,724,000 |
| Average Applicant Income | $90,859 |
| Highest Applicant Income | $9,999,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 621 | $ 96,116,000 | $ 154,776 | $ 65,000 |
| Clark, Kentucky | 183 | $ 21,122,000 | $ 115,420 | $ 50,000 |
| Jessamine, Kentucky | 59 | $ 8,343,000 | $ 141,406 | $ 90,000 |
| Harrison, Kentucky | 28 | $ 2,989,000 | $ 106,750 | $ 49,000 |
| Madison, Kentucky | 26 | $ 4,339,000 | $ 166,884 | $ 60,000 |
| Montgomery, Kentucky | 25 | $ 3,091,000 | $ 123,640 | $ 82,000 |
| Bourbon, Kentucky | 24 | $ 3,064,000 | $ 127,666 | $ 81,000 |
| Scott, Kentucky | 22 | $ 4,653,000 | $ 211,500 | $ 97,000 |
| Woodford, Kentucky | 21 | $ 3,687,000 | $ 175,571 | $ 108,000 |
| Powell, Kentucky | 17 | $ 1,972,000 | $ 116,000 | $ 49,000 |
| Garrard, Kentucky | 10 | $ 1,253,000 | $ 125,300 | $ 41,000 |
| Jefferson, Kentucky | 9 | $ 1,955,000 | $ 217,222 | $ 160,000 |
| Macon, Illinois | 7 | $ 351,000 | $ 50,142 | $ 20,000 |
| Manatee, Florida | 4 | $ 2,558,000 | $ 639,500 | $ 500,000 |
| Estill, Kentucky | 4 | $ 175,000 | $ 43,750 | $ 44,000 |
| Mercer, Kentucky | 4 | $ 922,000 | $ 230,500 | $ 95,000 |
| Baldwin, Alabama | 3 | $ 1,238,000 | $ 412,666 | $ 167,000 |
| Anderson, Kentucky | 3 | $ 352,000 | $ 117,333 | $ 238,000 |
| Boyle, Kentucky | 3 | $ 1,003,000 | $ 334,333 | $ 71,000 |
| Menifee, Kentucky | 3 | $ 189,000 | $ 63,000 | $ 41,000 |
| Nicholas, Kentucky | 3 | $ 201,000 | $ 67,000 | $ 56,000 |
| Pulaski, Kentucky | 3 | $ 267,000 | $ 89,000 | $ 107,000 |
| Wolfe, Kentucky | 3 | $ 177,000 | $ 59,000 | $ 59,000 |
| Dallas, Texas | 3 | $ 677,000 | $ 225,666 | $ 1,621,000 |
| Jefferson, Alabama | 2 | $ 326,000 | $ 163,000 | $ 121,000 |
| Summit, Colorado | 2 | $ 405,000 | $ 202,500 | $ 166,000 |
| Collier, Florida | 2 | $ 899,000 | $ 449,500 | $ 5,038,000 |
| Grant, Kentucky | 2 | $ 227,000 | $ 113,500 | $ 77,000 |
| Laurel, Kentucky | 2 | $ 294,000 | $ 147,000 | $ 120,000 |
| Oldham, Kentucky | 2 | $ 550,000 | $ 275,000 | $ 50,000 |
| Spencer, Kentucky | 2 | $ 165,000 | $ 82,500 | $ 84,000 |
| Franklin, Ohio | 2 | $ 292,000 | $ 146,000 | $ 80,000 |
| Hamilton, Ohio | 2 | $ 147,000 | $ 73,500 | $ 44,000 |
| Lane, Oregon | 2 | $ 230,000 | $ 115,000 | $ 115,000 |
| Beaufort, South Carolina | 2 | $ 378,000 | $ 189,000 | $ 231,000 |
| Lee, Florida | 1 | $ 218,000 | $ 218,000 | $ 195,000 |
| Nassau, Florida | 1 | $ 297,000 | $ 297,000 | $ 122,000 |
| Okaloosa, Florida | 1 | $ 322,000 | $ 322,000 | $ 198,000 |
| Pinellas, Florida | 1 | $ 2,724,000 | $ 2,724,000 | $ 0 |
| Chatham, Georgia | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Cobb, Georgia | 1 | $ 296,000 | $ 296,000 | $ 184,000 |
| Grundy, Illinois | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Johnson, Indiana | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Bath, Kentucky | 1 | $ 48,000 | $ 48,000 | $ 79,000 |
| Boyd, Kentucky | 1 | $ 46,000 | $ 46,000 | $ 35,000 |
| Breathitt, Kentucky | 1 | $ 119,000 | $ 119,000 | $ 37,000 |
| Campbell, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 180,000 |
| Casey, Kentucky | 1 | $ 48,000 | $ 48,000 | $ 20,000 |
| Franklin, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Johnson, Kentucky | 1 | $ 188,000 | $ 188,000 | $ 238,000 |
| Owen, Kentucky | 1 | $ 119,000 | $ 119,000 | $ 182,000 |
| Pike, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
| Rowan, Kentucky | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Washington, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Wayne, Kentucky | 1 | $ 150,000 | $ 150,000 | $ 300,000 |
| Whitley, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 169,000 |
| Washtenaw, Michigan | 1 | $ 170,000 | $ 170,000 | $ 285,000 |
| Lafayette, Mississippi | 1 | $ 280,000 | $ 280,000 | $ 250,000 |
| Sandoval, New Mexico | 1 | $ 144,000 | $ 144,000 | $ 88,000 |
| Chautauqua, New York | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Caldwell, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 234,000 |
| Pitt, North Carolina | 1 | $ 66,000 | $ 66,000 | $ 101,000 |
| Transylvania, North Carolina | 1 | $ 64,000 | $ 64,000 | $ 188,000 |
| Yancey, North Carolina | 1 | $ 593,000 | $ 593,000 | $ 234,000 |
| Butler, Ohio | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Clermont, Ohio | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Union, Ohio | 1 | $ 80,000 | $ 80,000 | $ 78,000 |
| Berks, Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 77,000 |
| Lancaster, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Greenville, South Carolina | 1 | $ 325,000 | $ 325,000 | $ 540,000 |
| Campbell, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 169,000 |
| Davidson, Tennessee | 1 | $ 172,000 | $ 172,000 | $ 36,000 |
| Door, Wisconsin | 1 | $ 224,000 | $ 224,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co 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 Co'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 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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