Central Bank & Trust Co Mortgage Lending & HMDA Data, 2007
In 2007, Central Bank & Trust Co of Lexington, KY reported 977 mortgage applications totaling $159.2 million, about the same as 2006. The average application was for $162,906, and applicants reported an average income of $101,839. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lexington-Fayette, KY (675), Cincinnati-Middletown, OH-KY-IN (55) and Decatur, IL (10) (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 | 977 |
| Total Mortgage Loan Application Amount | $159,160,000 |
| Average Mortgage Loan Application Amount | $162,906 |
| Highest Mortgage Loan Application Amount | $4,375,000 |
| Average Applicant Income | $101,839 |
| Highest Applicant Income | $8,619,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 493 | $ 82,767,000 | $ 167,884 | $ 97,000 |
| Clark, Kentucky | 100 | $ 9,837,000 | $ 98,370 | $ 57,000 |
| Madison, Kentucky | 68 | $ 13,815,000 | $ 203,161 | $ 64,000 |
| Harrison, Kentucky | 54 | $ 5,943,000 | $ 110,055 | $ 56,000 |
| Jessamine, Kentucky | 41 | $ 7,305,000 | $ 178,170 | $ 90,000 |
| Scott, Kentucky | 19 | $ 3,420,000 | $ 180,000 | $ 140,000 |
| Kenton, Kentucky | 18 | $ 4,726,000 | $ 262,555 | $ 54,000 |
| Montgomery, Kentucky | 17 | $ 1,492,000 | $ 87,764 | $ 51,000 |
| Hamilton, Ohio | 15 | $ 2,555,000 | $ 170,333 | $ 6,000 |
| Woodford, Kentucky | 12 | $ 2,341,000 | $ 195,083 | $ 92,000 |
| Macon, Illinois | 10 | $ 494,000 | $ 49,400 | $ 48,000 |
| Bourbon, Kentucky | 10 | $ 1,328,000 | $ 132,800 | $ 57,000 |
| Jefferson, Kentucky | 8 | $ 2,945,000 | $ 368,125 | $ 410,000 |
| Powell, Kentucky | 8 | $ 740,000 | $ 92,500 | $ 66,000 |
| Butler, Ohio | 8 | $ 890,000 | $ 111,250 | $ 68,000 |
| Boone, Kentucky | 7 | $ 1,275,000 | $ 182,142 | $ 68,000 |
| Mercer, Kentucky | 7 | $ 789,000 | $ 112,714 | $ 52,000 |
| Rockcastle, Kentucky | 6 | $ 589,000 | $ 98,166 | $ 43,000 |
| Montgomery, Ohio | 6 | $ 1,375,000 | $ 229,166 | $ 35,000 |
| Boyle, Kentucky | 5 | $ 924,000 | $ 184,800 | $ 80,000 |
| Campbell, Kentucky | 5 | $ 1,071,000 | $ 214,200 | $ 260,000 |
| Estill, Kentucky | 5 | $ 386,000 | $ 77,200 | $ 39,000 |
| Garrard, Kentucky | 5 | $ 694,000 | $ 138,800 | $ 78,000 |
| Davidson, Tennessee | 4 | $ 1,059,000 | $ 264,750 | $ 227,000 |
| Jackson, Kentucky | 3 | $ 230,000 | $ 76,666 | $ 53,000 |
| Laurel, Kentucky | 3 | $ 532,000 | $ 177,333 | $ 82,000 |
| Rowan, Kentucky | 3 | $ 595,000 | $ 198,333 | $ 75,000 |
| Miami-Dade, Florida | 2 | $ 1,185,000 | $ 592,500 | $ 849,000 |
| Volusia, Florida | 2 | $ 196,000 | $ 98,000 | $ 32,000 |
| Anderson, Kentucky | 2 | $ 303,000 | $ 151,500 | $ 43,000 |
| Nicholas, Kentucky | 2 | $ 125,000 | $ 62,500 | $ 32,000 |
| Wolfe, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 38,000 |
| Knox, Tennessee | 2 | $ 322,000 | $ 161,000 | $ 48,000 |
| Maricopa, Arizona | 1 | $ 214,000 | $ 214,000 | $ 55,000 |
| Los Angeles, California | 1 | $ 1,000,000 | $ 1,000,000 | $ 4,882,000 |
| Orange, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 8,619,000 |
| Pinellas, Florida | 1 | $ 346,000 | $ 346,000 | $ 201,000 |
| St. Johns, Florida | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Houston, Georgia | 1 | $ 200,000 | $ 200,000 | $ 1,200,000 |
| Pike, Georgia | 1 | $ 440,000 | $ 440,000 | $ 180,000 |
| Marion, Indiana | 1 | $ 76,000 | $ 76,000 | $ 128,000 |
| Bath, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 43,000 |
| Boyd, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Breathitt, Kentucky | 1 | $ 16,000 | $ 16,000 | $ 16,000 |
| Grant, Kentucky | 1 | $ 162,000 | $ 162,000 | $ 33,000 |
| Lee, Kentucky | 1 | $ 53,000 | $ 53,000 | $ 44,000 |
| Lincoln, Kentucky | 1 | $ 150,000 | $ 150,000 | $ 90,000 |
| Marion, Kentucky | 1 | $ 212,000 | $ 212,000 | $ 140,000 |
| Mason, Kentucky | 1 | $ 280,000 | $ 280,000 | $ 124,000 |
| Robertson, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Warren, Kentucky | 1 | $ 84,000 | $ 84,000 | $ 190,000 |
| Norfolk, Massachusetts | 1 | $ 293,000 | $ 293,000 | $ 120,000 |
| Warren, Missouri | 1 | $ 114,000 | $ 114,000 | $ 60,000 |
| Sandoval, New Mexico | 1 | $ 101,000 | $ 101,000 | $ 31,000 |
| Warren, Ohio | 1 | $ 203,000 | $ 203,000 | $ 110,000 |
| Charleston, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 97,000 |
| Horry, South Carolina | 1 | $ 525,000 | $ 525,000 | $ 180,000 |
| Wood, West Virginia | 1 | $ 219,000 | $ 219,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2007
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 | 532 | $92,735,000 | $174,000 | $4,375,000 | $122,000 | $8,619,000 |
| Refinancing | 403 | $63,203,000 | $156,000 | $1,000,000 | $75,000 | $1,200,000 |
| Home Improvement | 42 | $3,222,000 | $76,000 | $1,000,000 | $104,000 | $1,325,000 |
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 | 813 | $119,778,000 | $147,000 | $1,450,000 | $88,000 | $1,300,000 |
| Not applicable | 63 | $20,183,000 | $320,000 | $4,375,000 | $0 | $0 |
| Not Provided | 49 | $6,995,000 | $142,000 | $810,000 | $113,000 | $925,000 |
| Black or African American | 39 | $9,491,000 | $243,000 | $1,000,000 | $537,000 | $8,619,000 |
| Asian | 9 | $2,193,000 | $243,000 | $417,000 | $150,000 | $302,000 |
| Hispanic | 4 | $520,000 | $130,000 | $236,000 | $45,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 866 | $146,655,000 | $169,000 | $4,375,000 | $108,000 | $8,619,000 |
| FHA-insured (Federal Housing Administration) | 107 | $11,894,000 | $111,000 | $202,000 | $50,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 4 | $611,000 | $152,000 | $246,000 | $74,000 | $104,000 |
| 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 | 820 | $137,017,000 | $167,000 | $4,375,000 | $108,000 | $8,619,000 |
| Application Withdrawn By Applicant | 117 | $17,627,000 | $150,000 | $562,000 | $76,000 | $600,000 |
| Application Denied By Financial Institution | 37 | $4,209,000 | $113,000 | $399,000 | $56,000 | $204,000 |
| Application Approved But Not Accepted | 3 | $307,000 | $102,000 | $140,000 | $81,000 | $104,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 17 | $1,596,000 | $93,000 | $158,000 | $45,000 | $100,000 |
| Other | 8 | $1,244,000 | $155,000 | $399,000 | $57,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $477,000 | $119,000 | $190,000 | $108,000 | $204,000 |
| Debt-To-Income Ratio | 4 | $458,000 | $114,000 | $202,000 | $58,000 | $86,000 |
| Collateral | 3 | $320,000 | $106,000 | $245,000 | $47,000 | $72,000 |
| Employment History | 1 | $114,000 | $114,000 | $114,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 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 2007 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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