Central Bank & Trust Co Mortgage Lending & HMDA Data, 2010
In 2010, Central Bank & Trust Co of Lexington, KY reported 1,277 mortgage applications totaling $243.7 million, down 21% from 2009. The average application was for $190,844, and applicants reported an average income of $130,241. 86% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Lexington-Fayette, KY (1,011), Cincinnati-Middletown, OH-KY-IN (45) and Louisville-Jefferson County, KY-IN (16) (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 | 1,277 |
| Total Mortgage Loan Application Amount | $243,709,000 |
| Average Mortgage Loan Application Amount | $190,844 |
| Highest Mortgage Loan Application Amount | $4,972,000 |
| Average Applicant Income | $130,241 |
| Highest Applicant Income | $8,894,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 780 | $ 156,029,000 | $ 200,037 | $ 118,000 |
| Clark, Kentucky | 104 | $ 12,205,000 | $ 117,355 | $ 74,000 |
| Madison, Kentucky | 82 | $ 11,390,000 | $ 138,902 | $ 74,000 |
| Jessamine, Kentucky | 66 | $ 16,072,000 | $ 243,515 | $ 120,000 |
| Scott, Kentucky | 28 | $ 5,718,000 | $ 204,214 | $ 70,000 |
| Harrison, Kentucky | 27 | $ 3,222,000 | $ 119,333 | $ 50,000 |
| Woodford, Kentucky | 24 | $ 5,532,000 | $ 230,500 | $ 116,000 |
| Kenton, Kentucky | 22 | $ 3,912,000 | $ 177,818 | $ 83,000 |
| Montgomery, Kentucky | 13 | $ 1,209,000 | $ 93,000 | $ 58,000 |
| Jefferson, Kentucky | 11 | $ 2,105,000 | $ 191,363 | $ 617,000 |
| Powell, Kentucky | 11 | $ 868,000 | $ 78,909 | $ 60,000 |
| Boone, Kentucky | 10 | $ 6,696,000 | $ 669,600 | $ 75,000 |
| Bourbon, Kentucky | 9 | $ 1,650,000 | $ 183,333 | $ 104,000 |
| Hamilton, Ohio | 9 | $ 2,331,000 | $ 259,000 | $ 105,000 |
| Garrard, Kentucky | 6 | $ 785,000 | $ 130,833 | $ 57,000 |
| Mercer, Kentucky | 6 | $ 971,000 | $ 161,833 | $ 136,000 |
| Anderson, Kentucky | 5 | $ 650,000 | $ 130,000 | $ 158,000 |
| Rockcastle, Kentucky | 5 | $ 541,000 | $ 108,200 | $ 68,000 |
| Estill, Kentucky | 4 | $ 134,000 | $ 33,500 | $ 28,000 |
| Campbell, Kentucky | 3 | $ 1,980,000 | $ 660,000 | $ 13,000 |
| Franklin, Kentucky | 3 | $ 444,000 | $ 148,000 | $ 104,000 |
| Oldham, Kentucky | 3 | $ 299,000 | $ 99,666 | $ 166,000 |
| Laurel, Kentucky | 2 | $ 303,000 | $ 151,500 | $ 128,000 |
| Lincoln, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 68,000 |
| Mason, Kentucky | 2 | $ 233,000 | $ 116,500 | $ 78,000 |
| Morgan, Kentucky | 2 | $ 468,000 | $ 234,000 | $ 155,000 |
| Rowan, Kentucky | 2 | $ 195,000 | $ 97,500 | $ 55,000 |
| Wayne, Kentucky | 2 | $ 312,000 | $ 156,000 | $ 263,000 |
| Denver, Colorado | 1 | $ 273,000 | $ 273,000 | $ 66,000 |
| Larimer, Colorado | 1 | $ 70,000 | $ 70,000 | $ 39,000 |
| Summit, Colorado | 1 | $ 382,000 | $ 382,000 | $ 272,000 |
| Lee, Florida | 1 | $ 223,000 | $ 223,000 | $ 239,000 |
| Manatee, Florida | 1 | $ 192,000 | $ 192,000 | $ 58,000 |
| Orange, Florida | 1 | $ 417,000 | $ 417,000 | $ 6,600,000 |
| Pinellas, Florida | 1 | $ 373,000 | $ 373,000 | $ 448,000 |
| Volusia, Florida | 1 | $ 163,000 | $ 163,000 | $ 129,000 |
| Baldwin, Georgia | 1 | $ 360,000 | $ 360,000 | $ 96,000 |
| Cherokee, Georgia | 1 | $ 91,000 | $ 91,000 | $ 105,000 |
| Forsyth, Georgia | 1 | $ 280,000 | $ 280,000 | $ 135,000 |
| Pike, Georgia | 1 | $ 394,000 | $ 394,000 | $ 189,000 |
| Allen, Indiana | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Clark, Indiana | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 363,000 | $ 363,000 | $ 8,594,000 |
| Lake, Indiana | 1 | $ 141,000 | $ 141,000 | $ 29,000 |
| Bath, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 87,000 |
| Boyle, Kentucky | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Grant, Kentucky | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Hart, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 137,000 |
| Jackson, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
| Knott, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Lee, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 37,000 |
| Magoffin, Kentucky | 1 | $ 213,000 | $ 213,000 | $ 0 |
| McCreary, Kentucky | 1 | $ 104,000 | $ 104,000 | $ 32,000 |
| Nelson, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 66,000 |
| Pulaski, Kentucky | 1 | $ 136,000 | $ 136,000 | $ 453,000 |
| Taylor, Kentucky | 1 | $ 162,000 | $ 162,000 | $ 94,000 |
| Oakland, Michigan | 1 | $ 417,000 | $ 417,000 | $ 8,894,000 |
| Pitt, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 627,000 |
| Delaware, Ohio | 1 | $ 200,000 | $ 200,000 | $ 92,000 |
| Montgomery, Ohio | 1 | $ 528,000 | $ 528,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 520,000 |
| Jefferson, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 774 | $155,327,000 | $200,000 | $4,972,000 | $149,000 | $8,894,000 |
| Home Purchase | 434 | $85,592,000 | $197,000 | $4,375,000 | $107,000 | $1,699,000 |
| Home Improvement | 69 | $2,790,000 | $40,000 | $1,750,000 | $66,000 | $473,000 |
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 | 1,119 | $194,234,000 | $173,000 | $757,000 | $107,000 | $918,000 |
| Not applicable | 46 | $27,352,000 | $594,000 | $4,972,000 | $0 | $0 |
| Black or African American | 38 | $6,625,000 | $174,000 | $1,060,000 | $940,000 | $8,894,000 |
| Not Provided | 34 | $6,117,000 | $179,000 | $1,400,000 | $102,000 | $520,000 |
| Asian | 30 | $7,925,000 | $264,000 | $743,000 | $185,000 | $460,000 |
| Hispanic | 8 | $1,450,000 | $181,000 | $417,000 | $95,000 | $240,000 |
| American Indian or Alaskan Native | 2 | $6,000 | $3,000 | $3,000 | $45,000 | $54,000 |
| 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) | 1,058 | $211,605,000 | $200,000 | $4,972,000 | $146,000 | $8,894,000 |
| FHA-insured (Federal Housing Administration) | 192 | $27,243,000 | $141,000 | $277,000 | $53,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 27 | $4,861,000 | $180,000 | $348,000 | $55,000 | $127,000 |
| 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 | 1,101 | $218,282,000 | $198,000 | $4,972,000 | $140,000 | $8,894,000 |
| Application Approved But Not Accepted | 79 | $14,335,000 | $181,000 | $550,000 | $105,000 | $600,000 |
| Application Denied By Financial Institution | 65 | $6,872,000 | $105,000 | $400,000 | $58,000 | $240,000 |
| Application Withdrawn By Applicant | 32 | $4,220,000 | $131,000 | $415,000 | $0 | $0 |
| 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 | 30 | $2,237,000 | $74,000 | $400,000 | $50,000 | $129,000 |
| Collateral | 16 | $2,176,000 | $136,000 | $357,000 | $89,000 | $240,000 |
| Debt-To-Income Ratio | 12 | $1,573,000 | $131,000 | $400,000 | $48,000 | $133,000 |
| Employment History | 3 | $293,000 | $97,000 | $210,000 | $28,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $128,000 | $128,000 | $128,000 | $38,000 | $38,000 |
| Credit Application Incomplete | 1 | $250,000 | $250,000 | $250,000 | $110,000 | $110,000 |
| Other | 1 | $89,000 | $89,000 | $89,000 | $41,000 | $41,000 |
| Unverifiable Information | 1 | $126,000 | $126,000 | $126,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2010 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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