Central Bank & Trust Co Mortgage Lending & HMDA Data, 2006
In 2006, Central Bank & Trust Co of Lexington, KY reported 975 mortgage applications totaling $144.8 million, down 17% from 2005. The average application was for $148,543, and applicants reported an average income of $83,401. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lexington-Fayette, KY (708), Cincinnati-Middletown, OH-KY-IN (25) and Decatur, IL (12) (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 | 975 |
| Total Mortgage Loan Application Amount | $144,830,000 |
| Average Mortgage Loan Application Amount | $148,543 |
| Highest Mortgage Loan Application Amount | $3,208,000 |
| Average Applicant Income | $83,401 |
| Highest Applicant Income | $7,620,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 482 | $ 76,939,000 | $ 159,624 | $ 83,000 |
| Clark, Kentucky | 137 | $ 11,668,000 | $ 85,167 | $ 48,000 |
| Madison, Kentucky | 62 | $ 10,830,000 | $ 174,677 | $ 78,000 |
| Jessamine, Kentucky | 46 | $ 8,291,000 | $ 180,239 | $ 123,000 |
| Harrison, Kentucky | 31 | $ 3,150,000 | $ 101,612 | $ 56,000 |
| Scott, Kentucky | 20 | $ 3,174,000 | $ 158,700 | $ 78,000 |
| Bourbon, Kentucky | 13 | $ 1,648,000 | $ 126,769 | $ 47,000 |
| Macon, Illinois | 12 | $ 424,000 | $ 35,333 | $ 3,000 |
| Boyle, Kentucky | 11 | $ 1,302,000 | $ 118,363 | $ 62,000 |
| Woodford, Kentucky | 10 | $ 1,333,000 | $ 133,300 | $ 52,000 |
| Montgomery, Kentucky | 9 | $ 810,000 | $ 90,000 | $ 86,000 |
| Powell, Kentucky | 9 | $ 521,000 | $ 57,888 | $ 37,000 |
| Estill, Kentucky | 8 | $ 828,000 | $ 103,500 | $ 53,000 |
| Boone, Kentucky | 7 | $ 1,138,000 | $ 162,571 | $ 76,000 |
| Garrard, Kentucky | 7 | $ 886,000 | $ 126,571 | $ 46,000 |
| Mercer, Kentucky | 7 | $ 819,000 | $ 117,000 | $ 56,000 |
| Kenton, Kentucky | 6 | $ 4,338,000 | $ 723,000 | $ 39,000 |
| Rockcastle, Kentucky | 6 | $ 314,000 | $ 52,333 | $ 50,000 |
| Hamilton, Ohio | 6 | $ 1,370,000 | $ 228,333 | $ 181,000 |
| Jefferson, Kentucky | 5 | $ 1,010,000 | $ 202,000 | $ 54,000 |
| Anderson, Kentucky | 4 | $ 689,000 | $ 172,250 | $ 77,000 |
| Jackson, Kentucky | 4 | $ 295,000 | $ 73,750 | $ 32,000 |
| Campbell, Kentucky | 3 | $ 986,000 | $ 328,666 | $ 114,000 |
| Nicholas, Kentucky | 3 | $ 192,000 | $ 64,000 | $ 52,000 |
| Collier, Florida | 2 | $ 707,000 | $ 353,500 | $ 597,000 |
| Bath, Kentucky | 2 | $ 125,000 | $ 62,500 | $ 29,000 |
| Fleming, Kentucky | 2 | $ 119,000 | $ 59,500 | $ 44,000 |
| Mason, Kentucky | 2 | $ 392,000 | $ 196,000 | $ 70,000 |
| Menifee, Kentucky | 2 | $ 72,000 | $ 36,000 | $ 50,000 |
| Pulaski, Kentucky | 2 | $ 215,000 | $ 107,500 | $ 30,000 |
| Shelby, Kentucky | 2 | $ 211,000 | $ 105,500 | $ 63,000 |
| Washington, Kentucky | 2 | $ 124,000 | $ 62,000 | $ 44,000 |
| Montgomery, Ohio | 2 | $ 169,000 | $ 84,500 | $ 35,000 |
| DeKalb, Tennessee | 2 | $ 288,000 | $ 144,000 | $ 242,000 |
| Brevard, Florida | 1 | $ 259,000 | $ 259,000 | $ 126,000 |
| Pinellas, Florida | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Greene, Georgia | 1 | $ 210,000 | $ 210,000 | $ 120,000 |
| Hawaii, Hawaii | 1 | $ 251,000 | $ 251,000 | $ 258,000 |
| Marion, Illinois | 1 | $ 126,000 | $ 126,000 | $ 191,000 |
| Hamilton, Indiana | 1 | $ 760,000 | $ 760,000 | $ 7,620,000 |
| Breathitt, Kentucky | 1 | $ 29,000 | $ 29,000 | $ 41,000 |
| Casey, Kentucky | 1 | $ 31,000 | $ 31,000 | $ 10,000 |
| Franklin, Kentucky | 1 | $ 130,000 | $ 130,000 | $ 32,000 |
| Grant, Kentucky | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Laurel, Kentucky | 1 | $ 61,000 | $ 61,000 | $ 124,000 |
| Lee, Kentucky | 1 | $ 118,000 | $ 118,000 | $ 57,000 |
| McCreary, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 90,000 |
| Nelson, Kentucky | 1 | $ 79,000 | $ 79,000 | $ 23,000 |
| Oldham, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| Owen, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 72,000 |
| Pendleton, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 35,000 |
| Pike, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Rowan, Kentucky | 1 | $ 57,000 | $ 57,000 | $ 13,000 |
| Spencer, Kentucky | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Whitley, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Athens, Ohio | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Butler, Ohio | 1 | $ 600,000 | $ 600,000 | $ 247,000 |
| Campbell, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 36,000 |
| Davidson, Tennessee | 1 | $ 141,000 | $ 141,000 | $ 35,000 |
| Montgomery, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Travis, Texas | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Charlottesville, Virginia | 1 | $ 188,000 | $ 188,000 | $ 396,000 |
| Pocahontas, West Virginia | 1 | $ 305,000 | $ 305,000 | $ 598,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2006
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 | 486 | $82,923,000 | $170,000 | $3,000,000 | $98,000 | $7,620,000 |
| Refinancing | 394 | $57,557,000 | $146,000 | $3,208,000 | $72,000 | $598,000 |
| Home Improvement | 95 | $4,350,000 | $45,000 | $600,000 | $56,000 | $540,000 |
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 | 804 | $107,989,000 | $134,000 | $920,000 | $79,000 | $662,000 |
| Not applicable | 74 | $24,947,000 | $337,000 | $3,208,000 | $7,000 | $260,000 |
| Not Provided | 63 | $6,878,000 | $109,000 | $650,000 | $116,000 | $750,000 |
| Black or African American | 23 | $3,181,000 | $138,000 | $760,000 | $371,000 | $7,620,000 |
| American Indian or Alaskan Native | 5 | $775,000 | $155,000 | $417,000 | $135,000 | $300,000 |
| Asian | 3 | $676,000 | $225,000 | $300,000 | $80,000 | $90,000 |
| Hispanic | 3 | $384,000 | $128,000 | $184,000 | $47,000 | $58,000 |
| 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) | 933 | $140,546,000 | $150,000 | $3,208,000 | $85,000 | $7,620,000 |
| FHA-insured (Federal Housing Administration) | 40 | $4,100,000 | $102,000 | $159,000 | $39,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 2 | $184,000 | $92,000 | $95,000 | $26,000 | $31,000 |
| 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 | 802 | $126,822,000 | $158,000 | $3,208,000 | $89,000 | $7,620,000 |
| Application Withdrawn By Applicant | 91 | $10,185,000 | $111,000 | $400,000 | $65,000 | $396,000 |
| Application Denied By Financial Institution | 58 | $4,795,000 | $82,000 | $328,000 | $48,000 | $211,000 |
| Preapproval Denied by Financial Institution | 18 | $1,744,000 | $96,000 | $315,000 | $37,000 | $211,000 |
| Loan Purchased By The Institution | 4 | $1,203,000 | $300,000 | $490,000 | $130,000 | $260,000 |
| Application Approved But Not Accepted | 1 | $16,000 | $16,000 | $16,000 | $42,000 | $42,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $50,000 | $50,000 |
| Preapproval Approved but not Accepted | 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 | 61 | $5,465,000 | $89,000 | $315,000 | $42,000 | $211,000 |
| Debt-To-Income Ratio | 8 | $468,000 | $58,000 | $328,000 | $38,000 | $132,000 |
| Collateral | 3 | $394,000 | $131,000 | $147,000 | $86,000 | $158,000 |
| Other | 2 | $30,000 | $15,000 | $15,000 | $150,000 | $150,000 |
| Credit Application Incomplete | 1 | $140,000 | $140,000 | $140,000 | $24,000 | $24,000 |
| Employment History | 1 | $42,000 | $42,000 | $42,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2006 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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