Central Bank & Trust Co Mortgage Lending & HMDA Data, 2014
In 2014, Central Bank & Trust Co of Lexington, KY reported 1,405 mortgage applications totaling $233.3 million, down 23% from 2013. The average application was for $166,045, and applicants reported an average income of $104,590. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (1,021), Cincinnati, OH-KY-IN (74) and Louisville/Jefferson County, KY-IN (41) (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 | 1,405 |
| Total Mortgage Loan Application Amount | $233,294,000 |
| Average Mortgage Loan Application Amount | $166,045 |
| Highest Mortgage Loan Application Amount | $2,800,000 |
| Average Applicant Income | $104,590 |
| Highest Applicant Income | $3,824,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 611 | $ 110,996,000 | $ 181,662 | $ 125,000 |
| Clark, Kentucky | 138 | $ 12,640,000 | $ 91,594 | $ 52,000 |
| Jessamine, Kentucky | 121 | $ 19,860,000 | $ 164,132 | $ 94,000 |
| Scott, Kentucky | 114 | $ 18,089,000 | $ 158,675 | $ 74,000 |
| Madison, Kentucky | 89 | $ 15,582,000 | $ 175,078 | $ 81,000 |
| Jefferson, Kentucky | 30 | $ 5,218,000 | $ 173,933 | $ 14,000 |
| Harrison, Kentucky | 28 | $ 3,153,000 | $ 112,607 | $ 63,000 |
| Montgomery, Kentucky | 27 | $ 2,623,000 | $ 97,148 | $ 46,000 |
| Boone, Kentucky | 24 | $ 5,459,000 | $ 227,458 | $ 111,000 |
| Kenton, Kentucky | 24 | $ 4,079,000 | $ 169,958 | $ 159,000 |
| Bourbon, Kentucky | 19 | $ 2,610,000 | $ 137,368 | $ 81,000 |
| Garrard, Kentucky | 19 | $ 2,802,000 | $ 147,473 | $ 56,000 |
| Woodford, Kentucky | 18 | $ 4,937,000 | $ 274,277 | $ 131,000 |
| Powell, Kentucky | 15 | $ 1,454,000 | $ 96,933 | $ 56,000 |
| Hamilton, Ohio | 12 | $ 4,001,000 | $ 333,416 | $ 86,000 |
| Mercer, Kentucky | 10 | $ 1,246,000 | $ 124,600 | $ 122,000 |
| Anderson, Kentucky | 8 | $ 1,332,000 | $ 166,500 | $ 77,000 |
| Franklin, Kentucky | 7 | $ 696,000 | $ 99,428 | $ 36,000 |
| Campbell, Kentucky | 6 | $ 1,139,000 | $ 189,833 | $ 121,000 |
| Boyle, Kentucky | 5 | $ 1,308,000 | $ 261,600 | $ 127,000 |
| Clermont, Ohio | 4 | $ 941,000 | $ 235,250 | $ 567,000 |
| Morgan, Indiana | 3 | $ 395,000 | $ 131,666 | $ 46,000 |
| Bullitt, Kentucky | 3 | $ 383,000 | $ 127,666 | $ 51,000 |
| Lincoln, Kentucky | 3 | $ 263,000 | $ 87,666 | $ 35,000 |
| Rockcastle, Kentucky | 3 | $ 213,000 | $ 71,000 | $ 41,000 |
| Spencer, Kentucky | 3 | $ 160,000 | $ 53,333 | $ 106,000 |
| Hillsborough, Florida | 2 | $ 808,000 | $ 404,000 | $ 900,000 |
| Clark, Indiana | 2 | $ 99,000 | $ 49,500 | $ 462,000 |
| Bath, Kentucky | 2 | $ 222,000 | $ 111,000 | $ 73,000 |
| Grant, Kentucky | 2 | $ 204,000 | $ 102,000 | $ 87,000 |
| Oldham, Kentucky | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Ventura, California | 1 | $ 372,000 | $ 372,000 | $ 75,000 |
| Weld, Colorado | 1 | $ 335,000 | $ 335,000 | $ 567,000 |
| Collier, Florida | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Duval, Florida | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Indian River, Florida | 1 | $ 200,000 | $ 200,000 | $ 369,000 |
| Lee, Florida | 1 | $ 400,000 | $ 400,000 | $ 798,000 |
| Manatee, Florida | 1 | $ 334,000 | $ 334,000 | $ 703,000 |
| Marion, Florida | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Monroe, Florida | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Sarasota, Florida | 1 | $ 160,000 | $ 160,000 | $ 432,000 |
| St. Lucie, Florida | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Fulton, Georgia | 1 | $ 146,000 | $ 146,000 | $ 50,000 |
| Grundy, Illinois | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Crawford, Indiana | 1 | $ 61,000 | $ 61,000 | $ 62,000 |
| Dearborn, Indiana | 1 | $ 271,000 | $ 271,000 | $ 124,000 |
| Hamilton, Indiana | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Allen, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 593,000 |
| Estill, Kentucky | 1 | $ 445,000 | $ 445,000 | $ 154,000 |
| Floyd, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 221,000 |
| Gallatin, Kentucky | 1 | $ 114,000 | $ 114,000 | $ 52,000 |
| Greenup, Kentucky | 1 | $ 4,000 | $ 4,000 | $ 49,000 |
| Harlan, Kentucky | 1 | $ 4,000 | $ 4,000 | $ 25,000 |
| Jackson, Kentucky | 1 | $ 6,000 | $ 6,000 | $ 31,000 |
| Laurel, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 77,000 |
| Lawrence, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Mason, Kentucky | 1 | $ 159,000 | $ 159,000 | $ 58,000 |
| Menifee, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 91,000 |
| Nelson, Kentucky | 1 | $ 101,000 | $ 101,000 | $ 146,000 |
| Nicholas, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Pulaski, Kentucky | 1 | $ 184,000 | $ 184,000 | $ 853,000 |
| Robertson, Kentucky | 1 | $ 79,000 | $ 79,000 | $ 41,000 |
| Rowan, Kentucky | 1 | $ 216,000 | $ 216,000 | $ 162,000 |
| Shelby, Kentucky | 1 | $ 108,000 | $ 108,000 | $ 195,000 |
| Washington, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Whitley, Kentucky | 1 | $ 131,000 | $ 131,000 | $ 452,000 |
| Wolfe, Kentucky | 1 | $ 7,000 | $ 7,000 | $ 16,000 |
| Ramsey, Minnesota | 1 | $ 214,000 | $ 214,000 | $ 255,000 |
| Buncombe, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 197,000 |
| Greene, Ohio | 1 | $ 81,000 | $ 81,000 | $ 101,000 |
| Mahoning, Ohio | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| Anderson, South Carolina | 1 | $ 123,000 | $ 123,000 | $ 83,000 |
| Charleston, South Carolina | 1 | $ 912,000 | $ 912,000 | $ 802,000 |
| Lancaster, South Carolina | 1 | $ 220,000 | $ 220,000 | $ 42,000 |
| York, South Carolina | 1 | $ 259,000 | $ 259,000 | $ 42,000 |
| Campbell, Tennessee | 1 | $ 283,000 | $ 283,000 | $ 399,000 |
| Davidson, Tennessee | 1 | $ 130,000 | $ 130,000 | $ 71,000 |
| Hamilton, Tennessee | 1 | $ 269,000 | $ 269,000 | $ 650,000 |
| Knox, Tennessee | 1 | $ 116,000 | $ 116,000 | $ 38,000 |
| Weakley, Tennessee | 1 | $ 243,000 | $ 243,000 | $ 86,000 |
| Wilson, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 71,000 |
| Travis, Texas | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2014
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 | 897 | $160,759,000 | $179,000 | $2,800,000 | $105,000 | $3,824,000 |
| Refinancing | 363 | $65,699,000 | $180,000 | $1,480,000 | $113,000 | $3,824,000 |
| Home Improvement | 145 | $6,836,000 | $47,000 | $1,226,000 | $81,000 | $2,202,000 |
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 | 1,214 | $192,605,000 | $158,000 | $1,480,000 | $108,000 | $3,824,000 |
| Not applicable | 81 | $22,534,000 | $278,000 | $2,800,000 | $0 | $0 |
| Black or African American | 36 | $3,585,000 | $99,000 | $580,000 | $59,000 | $195,000 |
| Not Provided | 30 | $4,268,000 | $142,000 | $459,000 | $191,000 | $2,202,000 |
| Asian | 27 | $7,226,000 | $267,000 | $1,750,000 | $186,000 | $1,020,000 |
| Hispanic | 16 | $2,910,000 | $181,000 | $779,000 | $191,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $166,000 | $166,000 | $166,000 | $55,000 | $55,000 |
| 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) | 1,184 | $202,994,000 | $171,000 | $2,800,000 | $114,000 | $3,824,000 |
| FHA-insured (Federal Housing Administration) | 103 | $13,444,000 | $130,000 | $294,000 | $55,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $9,491,000 | $120,000 | $239,000 | $43,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 39 | $7,365,000 | $188,000 | $416,000 | $75,000 | $218,000 |
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 | 1,100 | $189,820,000 | $172,000 | $2,800,000 | $113,000 | $3,824,000 |
| Application Approved But Not Accepted | 121 | $18,655,000 | $154,000 | $510,000 | $97,000 | $1,252,000 |
| Application Denied By Financial Institution | 121 | $11,551,000 | $95,000 | $1,480,000 | $56,000 | $876,000 |
| Application Withdrawn By Applicant | 36 | $7,933,000 | $220,000 | $1,750,000 | $125,000 | $1,020,000 |
| Loan Purchased By The Institution | 27 | $5,335,000 | $197,000 | $417,000 | $0 | $0 |
| 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 | 58 | $4,026,000 | $69,000 | $1,225,000 | $66,000 | $876,000 |
| Debt-To-Income Ratio | 35 | $4,102,000 | $117,000 | $1,480,000 | $39,000 | $343,000 |
| Other | 12 | $1,238,000 | $103,000 | $193,000 | $50,000 | $120,000 |
| Collateral | 11 | $1,011,000 | $91,000 | $271,000 | $61,000 | $124,000 |
| Employment History | 2 | $342,000 | $171,000 | $236,000 | $48,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $747,000 | $373,000 | $417,000 | $88,000 | $176,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $31,000 | $31,000 |
| Credit Application Incomplete | 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 2014 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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