Central Bank & Trust Co Mortgage Lending & HMDA Data, 2011
In 2011, Central Bank & Trust Co of Lexington, KY reported 1,488 mortgage applications totaling $244.6 million, up 17% from 2010. The average application was for $164,387, and applicants reported an average income of $103,922. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lexington-Fayette, KY (1,117), Cincinnati-Middletown, OH-KY-IN (86) and Louisville-Jefferson County, KY-IN (39) (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 | 1,488 |
| Total Mortgage Loan Application Amount | $244,608,000 |
| Average Mortgage Loan Application Amount | $164,387 |
| Highest Mortgage Loan Application Amount | $1,716,000 |
| Average Applicant Income | $103,922 |
| Highest Applicant Income | $1,769,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 693 | $ 123,863,000 | $ 178,734 | $ 114,000 |
| Clark, Kentucky | 161 | $ 14,454,000 | $ 89,776 | $ 56,000 |
| Jessamine, Kentucky | 126 | $ 26,562,000 | $ 210,809 | $ 135,000 |
| Scott, Kentucky | 106 | $ 15,460,000 | $ 145,849 | $ 100,000 |
| Madison, Kentucky | 82 | $ 12,700,000 | $ 154,878 | $ 85,000 |
| Kenton, Kentucky | 33 | $ 5,083,000 | $ 154,030 | $ 102,000 |
| Jefferson, Kentucky | 32 | $ 6,875,000 | $ 214,843 | $ 128,000 |
| Montgomery, Kentucky | 27 | $ 2,886,000 | $ 106,888 | $ 57,000 |
| Harrison, Kentucky | 24 | $ 2,791,000 | $ 116,291 | $ 61,000 |
| Boone, Kentucky | 19 | $ 3,354,000 | $ 176,526 | $ 90,000 |
| Woodford, Kentucky | 19 | $ 3,492,000 | $ 183,789 | $ 111,000 |
| Campbell, Kentucky | 16 | $ 3,072,000 | $ 192,000 | $ 72,000 |
| Garrard, Kentucky | 14 | $ 1,899,000 | $ 135,642 | $ 112,000 |
| Bourbon, Kentucky | 12 | $ 2,146,000 | $ 178,833 | $ 139,000 |
| Powell, Kentucky | 11 | $ 1,099,000 | $ 99,909 | $ 58,000 |
| Hamilton, Ohio | 9 | $ 1,408,000 | $ 156,444 | $ 95,000 |
| Franklin, Kentucky | 7 | $ 796,000 | $ 113,714 | $ 63,000 |
| Boyle, Kentucky | 6 | $ 2,088,000 | $ 348,000 | $ 51,000 |
| Mercer, Kentucky | 6 | $ 665,000 | $ 110,833 | $ 82,000 |
| Anderson, Kentucky | 5 | $ 527,000 | $ 105,400 | $ 74,000 |
| Bath, Kentucky | 5 | $ 334,000 | $ 66,800 | $ 46,000 |
| Beaufort, South Carolina | 5 | $ 1,501,000 | $ 300,200 | $ 282,000 |
| Grant, Kentucky | 4 | $ 318,000 | $ 79,500 | $ 42,000 |
| Laurel, Kentucky | 4 | $ 543,000 | $ 135,750 | $ 88,000 |
| Lincoln, Kentucky | 3 | $ 265,000 | $ 88,333 | $ 70,000 |
| Marion, Kentucky | 3 | $ 202,000 | $ 67,333 | $ 64,000 |
| Nicholas, Kentucky | 3 | $ 654,000 | $ 218,000 | $ 102,000 |
| Montgomery, Ohio | 3 | $ 569,000 | $ 189,666 | $ 107,000 |
| Lee, Florida | 2 | $ 410,000 | $ 205,000 | $ 523,000 |
| Johnson, Kansas | 2 | $ 700,000 | $ 350,000 | $ 310,000 |
| Estill, Kentucky | 2 | $ 362,000 | $ 181,000 | $ 125,000 |
| Lee, Kentucky | 2 | $ 190,000 | $ 95,000 | $ 17,000 |
| Oldham, Kentucky | 2 | $ 545,000 | $ 272,500 | $ 127,000 |
| Pulaski, Kentucky | 2 | $ 247,000 | $ 123,500 | $ 198,000 |
| Rockcastle, Kentucky | 2 | $ 395,000 | $ 197,500 | $ 126,000 |
| Rowan, Kentucky | 2 | $ 340,000 | $ 170,000 | $ 74,000 |
| Shelby, Kentucky | 2 | $ 266,000 | $ 133,000 | $ 60,000 |
| Warren, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 73,000 |
| Clermont, Ohio | 2 | $ 430,000 | $ 215,000 | $ 101,000 |
| Delaware, Ohio | 2 | $ 332,000 | $ 166,000 | $ 124,000 |
| Warren, Ohio | 2 | $ 337,000 | $ 168,500 | $ 169,000 |
| Knox, Tennessee | 2 | $ 334,000 | $ 167,000 | $ 45,000 |
| Fulton, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 132,000 |
| Franklin, Florida | 1 | $ 275,000 | $ 275,000 | $ 85,000 |
| Palm Beach, Florida | 1 | $ 30,000 | $ 30,000 | $ 169,000 |
| Sarasota, Florida | 1 | $ 237,000 | $ 237,000 | $ 214,000 |
| Chatham, Georgia | 1 | $ 73,000 | $ 73,000 | $ 23,000 |
| Allen, Indiana | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Monroe, Indiana | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Barren, Kentucky | 1 | $ 288,000 | $ 288,000 | $ 132,000 |
| Breathitt, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Henry, Kentucky | 1 | $ 129,000 | $ 129,000 | $ 110,000 |
| McCreary, Kentucky | 1 | $ 104,000 | $ 104,000 | $ 32,000 |
| Menifee, Kentucky | 1 | $ 93,000 | $ 93,000 | $ 160,000 |
| Nelson, Kentucky | 1 | $ 500,000 | $ 500,000 | $ 275,000 |
| Owen, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Pendleton, Kentucky | 1 | $ 2,000 | $ 2,000 | $ 36,000 |
| Russell, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 276,000 |
| Spencer, Kentucky | 1 | $ 151,000 | $ 151,000 | $ 30,000 |
| DeSoto, Mississippi | 1 | $ 282,000 | $ 282,000 | $ 132,000 |
| Mecklenburg, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 300,000 |
| Pitt, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 630,000 |
| Charleston, South Carolina | 1 | $ 278,000 | $ 278,000 | $ 388,000 |
| Davidson, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2011
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 | 852 | $156,623,000 | $183,000 | $1,716,000 | $114,000 | $1,174,000 |
| Home Purchase | 524 | $84,176,000 | $160,000 | $936,000 | $95,000 | $1,039,000 |
| Home Improvement | 112 | $3,809,000 | $34,000 | $736,000 | $69,000 | $1,769,000 |
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 | 1,351 | $221,906,000 | $164,000 | $990,000 | $107,000 | $1,769,000 |
| Not applicable | 42 | $9,409,000 | $224,000 | $1,716,000 | $0 | $0 |
| Black or African American | 33 | $2,920,000 | $88,000 | $309,000 | $54,000 | $154,000 |
| Asian | 29 | $6,898,000 | $237,000 | $716,000 | $191,000 | $482,000 |
| Not Provided | 25 | $2,735,000 | $109,000 | $344,000 | $102,000 | $533,000 |
| Hispanic | 7 | $682,000 | $97,000 | $239,000 | $53,000 | $125,000 |
| American Indian or Alaskan Native | 1 | $58,000 | $58,000 | $58,000 | $124,000 | $124,000 |
| 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) | 1,275 | $215,378,000 | $168,000 | $1,716,000 | $113,000 | $1,769,000 |
| FHA-insured (Federal Housing Administration) | 168 | $22,904,000 | $136,000 | $274,000 | $54,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 35 | $5,134,000 | $146,000 | $280,000 | $57,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,192,000 | $119,000 | $163,000 | $36,000 | $72,000 |
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 | 1,196 | $199,608,000 | $166,000 | $1,716,000 | $111,000 | $1,769,000 |
| Application Denied By Financial Institution | 155 | $21,610,000 | $139,000 | $990,000 | $70,000 | $386,000 |
| Application Approved But Not Accepted | 102 | $17,704,000 | $173,000 | $735,000 | $110,000 | $664,000 |
| Application Withdrawn By Applicant | 29 | $4,575,000 | $157,000 | $900,000 | $0 | $0 |
| File Closed For Incompleteness | 6 | $1,111,000 | $185,000 | $370,000 | $52,000 | $167,000 |
| 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 | 51 | $3,910,000 | $76,000 | $275,000 | $61,000 | $377,000 |
| Collateral | 45 | $9,182,000 | $204,000 | $990,000 | $107,000 | $386,000 |
| Debt-To-Income Ratio | 38 | $4,605,000 | $121,000 | $309,000 | $47,000 | $132,000 |
| Employment History | 8 | $1,228,000 | $153,000 | $341,000 | $41,000 | $64,000 |
| Other | 6 | $1,247,000 | $207,000 | $420,000 | $53,000 | $108,000 |
| Unverifiable Information | 4 | $1,088,000 | $272,000 | $406,000 | $77,000 | $126,000 |
| Credit Application Incomplete | 3 | $350,000 | $116,000 | $135,000 | $64,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2011 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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