Central Bank & Trust Co Mortgage Lending & HMDA Data, 2012
In 2012, Central Bank & Trust Co of Lexington, KY reported 2,170 mortgage applications totaling $396.6 million, up 46% from 2011. The average application was for $182,765, and applicants reported an average income of $99,608. 84% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lexington-Fayette, KY (1,546), Cincinnati-Middletown, OH-KY-IN (155) and Louisville/Jefferson County, KY-IN (138) (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 | 2,170 |
| Total Mortgage Loan Application Amount | $396,602,000 |
| Average Mortgage Loan Application Amount | $182,765 |
| Highest Mortgage Loan Application Amount | $4,273,000 |
| Average Applicant Income | $99,608 |
| Highest Applicant Income | $1,000,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 982 | $ 182,956,000 | $ 186,309 | $ 110,000 |
| Clark, Kentucky | 193 | $ 22,139,000 | $ 114,709 | $ 66,000 |
| Jessamine, Kentucky | 171 | $ 34,985,000 | $ 204,590 | $ 113,000 |
| Scott, Kentucky | 155 | $ 26,270,000 | $ 169,483 | $ 75,000 |
| Madison, Kentucky | 136 | $ 27,650,000 | $ 203,308 | $ 76,000 |
| Jefferson, Kentucky | 103 | $ 22,592,000 | $ 219,339 | $ 114,000 |
| Kenton, Kentucky | 67 | $ 14,057,000 | $ 209,805 | $ 101,000 |
| Boone, Kentucky | 46 | $ 8,047,000 | $ 174,934 | $ 101,000 |
| Montgomery, Kentucky | 26 | $ 3,120,000 | $ 120,000 | $ 58,000 |
| Woodford, Kentucky | 25 | $ 6,236,000 | $ 249,440 | $ 135,000 |
| Harrison, Kentucky | 22 | $ 4,728,000 | $ 214,909 | $ 73,000 |
| Bourbon, Kentucky | 20 | $ 3,261,000 | $ 163,050 | $ 101,000 |
| Campbell, Kentucky | 20 | $ 4,573,000 | $ 228,650 | $ 102,000 |
| Mercer, Kentucky | 19 | $ 3,017,000 | $ 158,789 | $ 93,000 |
| Garrard, Kentucky | 14 | $ 1,668,000 | $ 119,142 | $ 68,000 |
| Powell, Kentucky | 13 | $ 714,000 | $ 54,923 | $ 43,000 |
| Oldham, Kentucky | 12 | $ 3,021,000 | $ 251,750 | $ 145,000 |
| Shelby, Kentucky | 12 | $ 3,050,000 | $ 254,166 | $ 110,000 |
| Hamilton, Ohio | 12 | $ 2,594,000 | $ 216,166 | $ 110,000 |
| Franklin, Kentucky | 10 | $ 2,892,000 | $ 289,200 | $ 190,000 |
| Anderson, Kentucky | 9 | $ 1,396,000 | $ 155,111 | $ 66,000 |
| Boyle, Kentucky | 7 | $ 1,045,000 | $ 149,285 | $ 87,000 |
| Estill, Kentucky | 6 | $ 681,000 | $ 113,500 | $ 66,000 |
| Floyd, Indiana | 5 | $ 928,000 | $ 185,600 | $ 146,000 |
| Bullitt, Kentucky | 4 | $ 601,000 | $ 150,250 | $ 62,000 |
| Lincoln, Kentucky | 4 | $ 429,000 | $ 107,250 | $ 58,000 |
| Duval, Florida | 3 | $ 221,000 | $ 73,666 | $ 0 |
| Laurel, Kentucky | 3 | $ 511,000 | $ 170,333 | $ 161,000 |
| Pulaski, Kentucky | 3 | $ 310,000 | $ 103,333 | $ 87,000 |
| Rockcastle, Kentucky | 3 | $ 228,000 | $ 76,000 | $ 44,000 |
| Rowan, Kentucky | 3 | $ 332,000 | $ 110,666 | $ 28,000 |
| Clermont, Ohio | 3 | $ 837,000 | $ 279,000 | $ 95,000 |
| Montgomery, Ohio | 3 | $ 610,000 | $ 203,333 | $ 81,000 |
| Sarasota, Florida | 2 | $ 498,000 | $ 249,000 | $ 184,000 |
| Bath, Kentucky | 2 | $ 153,000 | $ 76,500 | $ 42,000 |
| Bracken, Kentucky | 2 | $ 410,000 | $ 205,000 | $ 84,000 |
| Grant, Kentucky | 2 | $ 289,000 | $ 144,500 | $ 123,000 |
| Hardin, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 30,000 |
| Jackson, Kentucky | 2 | $ 157,000 | $ 78,500 | $ 47,000 |
| Lee, Kentucky | 2 | $ 72,000 | $ 36,000 | $ 52,000 |
| Nicholas, Kentucky | 2 | $ 204,000 | $ 102,000 | $ 58,000 |
| Charleston, South Carolina | 2 | $ 494,000 | $ 247,000 | $ 50,000 |
| Davidson, Tennessee | 2 | $ 834,000 | $ 417,000 | $ 189,000 |
| Williamson, Tennessee | 2 | $ 580,000 | $ 290,000 | $ 88,000 |
| Brevard, Florida | 1 | $ 196,000 | $ 196,000 | $ 79,000 |
| Lee, Florida | 1 | $ 120,000 | $ 120,000 | $ 228,000 |
| Pinellas, Florida | 1 | $ 304,000 | $ 304,000 | $ 183,000 |
| St. Johns, Florida | 1 | $ 238,000 | $ 238,000 | $ 68,000 |
| Volusia, Florida | 1 | $ 160,000 | $ 160,000 | $ 150,000 |
| Baldwin, Georgia | 1 | $ 200,000 | $ 200,000 | $ 73,000 |
| Forsyth, Georgia | 1 | $ 279,000 | $ 279,000 | $ 120,000 |
| Putnam, Georgia | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Clark, Indiana | 1 | $ 156,000 | $ 156,000 | $ 351,000 |
| Lake, Indiana | 1 | $ 269,000 | $ 269,000 | $ 273,000 |
| Switzerland, Indiana | 1 | $ 132,000 | $ 132,000 | $ 40,000 |
| Barren, Kentucky | 1 | $ 214,000 | $ 214,000 | $ 71,000 |
| Fleming, Kentucky | 1 | $ 44,000 | $ 44,000 | $ 15,000 |
| Gallatin, Kentucky | 1 | $ 258,000 | $ 258,000 | $ 91,000 |
| Greenup, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 40,000 |
| Harlan, Kentucky | 1 | $ 194,000 | $ 194,000 | $ 72,000 |
| Lewis, Kentucky | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Mason, Kentucky | 1 | $ 102,000 | $ 102,000 | $ 85,000 |
| Menifee, Kentucky | 1 | $ 36,000 | $ 36,000 | $ 48,000 |
| Nelson, Kentucky | 1 | $ 280,000 | $ 280,000 | $ 155,000 |
| Owen, Kentucky | 1 | $ 148,000 | $ 148,000 | $ 55,000 |
| Pendleton, Kentucky | 1 | $ 54,000 | $ 54,000 | $ 34,000 |
| Perry, Kentucky | 1 | $ 158,000 | $ 158,000 | $ 55,000 |
| Russell, Kentucky | 1 | $ 111,000 | $ 111,000 | $ 130,000 |
| Taylor, Kentucky | 1 | $ 77,000 | $ 77,000 | $ 52,000 |
| Wayne, Kentucky | 1 | $ 282,000 | $ 282,000 | $ 701,000 |
| Oakland, Michigan | 1 | $ 278,000 | $ 278,000 | $ 226,000 |
| Butler, Ohio | 1 | $ 62,000 | $ 62,000 | $ 33,000 |
| Franklin, Ohio | 1 | $ 100,000 | $ 100,000 | $ 78,000 |
| Lancaster, South Carolina | 1 | $ 280,000 | $ 280,000 | $ 101,000 |
| York, South Carolina | 1 | $ 250,000 | $ 250,000 | $ 125,000 |
| Cumberland, Tennessee | 1 | $ 368,000 | $ 368,000 | $ 575,000 |
| Sullivan, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 40,000 |
| Dallas, Texas | 1 | $ 123,000 | $ 123,000 | $ 121,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2012
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 | 1,401 | $269,107,000 | $192,000 | $4,273,000 | $105,000 | $1,000,000 |
| Home Purchase | 679 | $124,287,000 | $183,000 | $2,985,000 | $94,000 | $710,000 |
| Home Improvement | 90 | $3,208,000 | $35,000 | $750,000 | $58,000 | $613,000 |
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 | 1,989 | $352,414,000 | $177,000 | $1,560,000 | $102,000 | $1,000,000 |
| Not applicable | 69 | $24,427,000 | $354,000 | $4,273,000 | $0 | $0 |
| Asian | 39 | $9,239,000 | $236,000 | $570,000 | $157,000 | $558,000 |
| Black or African American | 35 | $4,633,000 | $132,000 | $415,000 | $61,000 | $171,000 |
| Not Provided | 23 | $3,084,000 | $134,000 | $419,000 | $114,000 | $667,000 |
| Hispanic | 15 | $2,805,000 | $187,000 | $452,000 | $106,000 | $270,000 |
| 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) | 1,889 | $356,042,000 | $188,000 | $4,273,000 | $106,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 206 | $27,928,000 | $135,000 | $276,000 | $53,000 | $290,000 |
| VA-guaranteed (Veterans Administration) | 42 | $8,556,000 | $203,000 | $460,000 | $76,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $4,076,000 | $123,000 | $247,000 | $43,000 | $104,000 |
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 | 1,828 | $342,475,000 | $187,000 | $4,273,000 | $103,000 | $776,000 |
| Application Denied By Financial Institution | 180 | $27,212,000 | $151,000 | $468,000 | $87,000 | $1,000,000 |
| Application Approved But Not Accepted | 114 | $19,345,000 | $169,000 | $1,350,000 | $94,000 | $575,000 |
| Application Withdrawn By Applicant | 43 | $6,650,000 | $154,000 | $415,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $920,000 | $184,000 | $400,000 | $121,000 | $355,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 65 | $11,767,000 | $181,000 | $468,000 | $111,000 | $701,000 |
| Credit History | 63 | $8,323,000 | $132,000 | $417,000 | $89,000 | $1,000,000 |
| Debt-To-Income Ratio | 31 | $4,459,000 | $143,000 | $400,000 | $48,000 | $198,000 |
| Other | 9 | $1,083,000 | $120,000 | $247,000 | $62,000 | $104,000 |
| Employment History | 6 | $863,000 | $143,000 | $236,000 | $41,000 | $91,000 |
| Credit Application Incomplete | 3 | $284,000 | $94,000 | $145,000 | $68,000 | $87,000 |
| Unverifiable Information | 2 | $367,000 | $183,000 | $235,000 | $104,000 | $149,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $66,000 | $66,000 | $66,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2012 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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