Central Bank & Trust Co Mortgage Lending & HMDA Data, 2008
In 2008, Central Bank & Trust Co of Lexington, KY reported 1,020 mortgage applications totaling $168.1 million, up 4% from 2007. The average application was for $164,761, and applicants reported an average income of $83,241. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lexington-Fayette, KY (744), Cincinnati-Middletown, OH-KY-IN (52) and Louisville-Jefferson County, KY-IN (11) (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 | 1,020 |
| Total Mortgage Loan Application Amount | $168,057,000 |
| Average Mortgage Loan Application Amount | $164,761 |
| Highest Mortgage Loan Application Amount | $4,850,000 |
| Average Applicant Income | $83,241 |
| Highest Applicant Income | $1,476,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 540 | $ 91,792,000 | $ 169,985 | $ 91,000 |
| Clark, Kentucky | 108 | $ 11,265,000 | $ 104,305 | $ 58,000 |
| Madison, Kentucky | 74 | $ 17,533,000 | $ 236,932 | $ 66,000 |
| Jessamine, Kentucky | 48 | $ 8,790,000 | $ 183,125 | $ 119,000 |
| Harrison, Kentucky | 32 | $ 3,829,000 | $ 119,656 | $ 56,000 |
| Scott, Kentucky | 25 | $ 4,071,000 | $ 162,840 | $ 93,000 |
| Woodford, Kentucky | 20 | $ 3,677,000 | $ 183,850 | $ 74,000 |
| Hamilton, Ohio | 17 | $ 3,828,000 | $ 225,176 | $ 15,000 |
| Kenton, Kentucky | 14 | $ 2,478,000 | $ 177,000 | $ 61,000 |
| Garrard, Kentucky | 11 | $ 1,218,000 | $ 110,727 | $ 54,000 |
| Montgomery, Kentucky | 9 | $ 495,000 | $ 55,000 | $ 25,000 |
| Campbell, Kentucky | 8 | $ 997,000 | $ 124,625 | $ 53,000 |
| Jefferson, Kentucky | 7 | $ 1,539,000 | $ 219,857 | $ 77,000 |
| Mercer, Kentucky | 7 | $ 1,188,000 | $ 169,714 | $ 153,000 |
| Boone, Kentucky | 6 | $ 1,146,000 | $ 191,000 | $ 45,000 |
| Powell, Kentucky | 6 | $ 408,000 | $ 68,000 | $ 50,000 |
| Franklin, Kentucky | 4 | $ 402,000 | $ 100,500 | $ 38,000 |
| Butler, Ohio | 4 | $ 762,000 | $ 190,500 | $ 69,000 |
| Anderson, Kentucky | 3 | $ 689,000 | $ 229,666 | $ 12,000 |
| Bourbon, Kentucky | 3 | $ 274,000 | $ 91,333 | $ 29,000 |
| Boyle, Kentucky | 3 | $ 308,000 | $ 102,666 | $ 56,000 |
| Mason, Kentucky | 3 | $ 498,000 | $ 166,000 | $ 62,000 |
| Franklin, Ohio | 3 | $ 285,000 | $ 95,000 | $ 42,000 |
| Mobile, Alabama | 2 | $ 243,000 | $ 121,500 | $ 97,000 |
| Lake, Indiana | 2 | $ 428,000 | $ 214,000 | $ 77,000 |
| Daviess, Kentucky | 2 | $ 362,000 | $ 181,000 | $ 144,000 |
| Laurel, Kentucky | 2 | $ 233,000 | $ 116,500 | $ 152,000 |
| Owen, Kentucky | 2 | $ 227,000 | $ 113,500 | $ 35,000 |
| Pendleton, Kentucky | 2 | $ 164,000 | $ 82,000 | $ 11,000 |
| Pulaski, Kentucky | 2 | $ 162,000 | $ 81,000 | $ 40,000 |
| Rockcastle, Kentucky | 2 | $ 261,000 | $ 130,500 | $ 54,000 |
| Russell, Kentucky | 2 | $ 163,000 | $ 81,500 | $ 255,000 |
| Shelby, Kentucky | 2 | $ 185,000 | $ 92,500 | $ 64,000 |
| Mecklenburg, North Carolina | 2 | $ 510,000 | $ 255,000 | $ 87,000 |
| Montgomery, Ohio | 2 | $ 517,000 | $ 258,500 | $ 0 |
| Beaufort, South Carolina | 2 | $ 779,000 | $ 389,500 | $ 26,000 |
| Jefferson, Alabama | 1 | $ 200,000 | $ 200,000 | $ 480,000 |
| Brevard, Florida | 1 | $ 82,000 | $ 82,000 | $ 130,000 |
| Escambia, Florida | 1 | $ 320,000 | $ 320,000 | $ 204,000 |
| Lee, Florida | 1 | $ 275,000 | $ 275,000 | $ 172,000 |
| Leon, Florida | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
| Sarasota, Florida | 1 | $ 344,000 | $ 344,000 | $ 117,000 |
| Volusia, Florida | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 267,000 | $ 267,000 | $ 82,000 |
| Macon, Illinois | 1 | $ 62,000 | $ 62,000 | $ 18,000 |
| Will, Illinois | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
| Monroe, Indiana | 1 | $ 417,000 | $ 417,000 | $ 103,000 |
| Breathitt, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 87,000 |
| Casey, Kentucky | 1 | $ 240,000 | $ 240,000 | $ 130,000 |
| Fleming, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 33,000 |
| Grant, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 30,000 |
| Jackson, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 43,000 |
| Larue, Kentucky | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| Lee, Kentucky | 1 | $ 113,000 | $ 113,000 | $ 35,000 |
| Lincoln, Kentucky | 1 | $ 72,000 | $ 72,000 | $ 27,000 |
| Lyon, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Magoffin, Kentucky | 1 | $ 217,000 | $ 217,000 | $ 100,000 |
| Menifee, Kentucky | 1 | $ 42,000 | $ 42,000 | $ 102,000 |
| Morgan, Kentucky | 1 | $ 294,000 | $ 294,000 | $ 240,000 |
| Nelson, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 126,000 |
| Nicholas, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 21,000 |
| Ohio, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Oldham, Kentucky | 1 | $ 264,000 | $ 264,000 | $ 110,000 |
| Perry, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 143,000 |
| Rowan, Kentucky | 1 | $ 250,000 | $ 250,000 | $ 100,000 |
| Wayne, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Whitley, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 85,000 |
| Transylvania, North Carolina | 1 | $ 59,000 | $ 59,000 | $ 360,000 |
| Delaware, Ohio | 1 | $ 276,000 | $ 276,000 | $ 75,000 |
| Miami, Ohio | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Muskingum, Ohio | 1 | $ 229,000 | $ 229,000 | $ 123,000 |
| Stark, Ohio | 1 | $ 75,000 | $ 75,000 | $ 1,476,000 |
| Comanche, Oklahoma | 1 | $ 42,000 | $ 42,000 | $ 46,000 |
| Dickson, Tennessee | 1 | $ 116,000 | $ 116,000 | $ 91,000 |
| Robertson, Tennessee | 1 | $ 146,000 | $ 146,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2008
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 | 526 | $84,139,000 | $159,000 | $1,588,000 | $85,000 | $1,476,000 |
| Refinancing | 442 | $81,736,000 | $184,000 | $4,850,000 | $84,000 | $780,000 |
| Home Improvement | 52 | $2,182,000 | $41,000 | $656,000 | $59,000 | $1,000,000 |
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 | 808 | $128,243,000 | $158,000 | $1,588,000 | $91,000 | $1,476,000 |
| Not Provided | 83 | $12,422,000 | $149,000 | $1,200,000 | $84,000 | $1,000,000 |
| Not applicable | 65 | $17,841,000 | $274,000 | $4,850,000 | $0 | $0 |
| Black or African American | 43 | $5,861,000 | $136,000 | $585,000 | $52,000 | $146,000 |
| Hispanic | 12 | $1,427,000 | $118,000 | $267,000 | $61,000 | $120,000 |
| Asian | 9 | $2,263,000 | $251,000 | $417,000 | $190,000 | $313,000 |
| 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) | 756 | $133,361,000 | $176,000 | $4,850,000 | $94,000 | $1,476,000 |
| FHA-insured (Federal Housing Administration) | 247 | $32,269,000 | $130,000 | $277,000 | $52,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,427,000 | $142,000 | $267,000 | $55,000 | $106,000 |
| 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 | 875 | $148,492,000 | $169,000 | $4,850,000 | $84,000 | $1,476,000 |
| Application Withdrawn By Applicant | 86 | $13,285,000 | $154,000 | $417,000 | $89,000 | $313,000 |
| Application Denied By Financial Institution | 57 | $5,454,000 | $95,000 | $417,000 | $54,000 | $257,000 |
| Application Approved But Not Accepted | 1 | $222,000 | $222,000 | $222,000 | $75,000 | $75,000 |
| Loan Purchased By The Institution | 1 | $604,000 | $604,000 | $604,000 | $192,000 | $192,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 22 | $1,437,000 | $65,000 | $246,000 | $43,000 | $80,000 |
| Collateral | 15 | $1,921,000 | $128,000 | $417,000 | $68,000 | $190,000 |
| Other | 7 | $854,000 | $122,000 | $291,000 | $88,000 | $257,000 |
| Debt-To-Income Ratio | 6 | $615,000 | $102,000 | $180,000 | $34,000 | $62,000 |
| Employment History | 3 | $283,000 | $94,000 | $138,000 | $24,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $230,000 | $115,000 | $131,000 | $42,000 | $58,000 |
| Credit Application Incomplete | 2 | $114,000 | $57,000 | $70,000 | $56,000 | $87,000 |
| 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 2008 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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