Central Bank & Trust Co Mortgage Lending & HMDA Data, 2015
In 2015, Central Bank & Trust Co of Lexington, KY reported 1,766 mortgage applications totaling $327.4 million, up 26% from 2014. The average application was for $185,389, and applicants reported an average income of $103,447. 81% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lexington-Fayette, KY (1,254), Cincinnati, OH-KY-IN (143) and Louisville/Jefferson County, KY-IN (36) (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 | 1,766 |
| Total Mortgage Loan Application Amount | $327,397,000 |
| Average Mortgage Loan Application Amount | $185,389 |
| Highest Mortgage Loan Application Amount | $15,157,000 |
| Average Applicant Income | $103,447 |
| Highest Applicant Income | $3,758,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 766 | $ 141,066,000 | $ 184,159 | $ 118,000 |
| Jessamine, Kentucky | 183 | $ 36,158,000 | $ 197,584 | $ 106,000 |
| Clark, Kentucky | 132 | $ 13,474,000 | $ 102,075 | $ 56,000 |
| Scott, Kentucky | 131 | $ 20,033,000 | $ 152,923 | $ 80,000 |
| Madison, Kentucky | 95 | $ 15,340,000 | $ 161,473 | $ 80,000 |
| Kenton, Kentucky | 49 | $ 12,479,000 | $ 254,673 | $ 114,000 |
| Boone, Kentucky | 48 | $ 11,270,000 | $ 234,791 | $ 121,000 |
| Harrison, Kentucky | 40 | $ 5,116,000 | $ 127,900 | $ 87,000 |
| Montgomery, Kentucky | 33 | $ 3,277,000 | $ 99,303 | $ 46,000 |
| Woodford, Kentucky | 30 | $ 6,736,000 | $ 224,533 | $ 119,000 |
| Jefferson, Kentucky | 26 | $ 9,000,000 | $ 346,153 | $ 38,000 |
| Campbell, Kentucky | 20 | $ 3,001,000 | $ 150,050 | $ 94,000 |
| Powell, Kentucky | 20 | $ 1,684,000 | $ 84,200 | $ 61,000 |
| Garrard, Kentucky | 16 | $ 2,787,000 | $ 174,187 | $ 66,000 |
| Mercer, Kentucky | 14 | $ 1,786,000 | $ 127,571 | $ 82,000 |
| Hamilton, Ohio | 13 | $ 3,390,000 | $ 260,769 | $ 82,000 |
| Bourbon, Kentucky | 12 | $ 2,037,000 | $ 169,750 | $ 53,000 |
| Franklin, Kentucky | 11 | $ 1,551,000 | $ 141,000 | $ 76,000 |
| Anderson, Kentucky | 8 | $ 1,707,000 | $ 213,375 | $ 99,000 |
| Estill, Kentucky | 8 | $ 966,000 | $ 120,750 | $ 60,000 |
| Boyle, Kentucky | 7 | $ 804,000 | $ 114,857 | $ 51,000 |
| Grant, Kentucky | 7 | $ 1,257,000 | $ 179,571 | $ 105,000 |
| Oldham, Kentucky | 7 | $ 1,500,000 | $ 214,285 | $ 20,000 |
| Laurel, Kentucky | 5 | $ 834,000 | $ 166,800 | $ 221,000 |
| Lincoln, Kentucky | 4 | $ 254,000 | $ 63,500 | $ 42,000 |
| Nelson, Kentucky | 4 | $ 587,000 | $ 146,750 | $ 64,000 |
| Montgomery, Ohio | 4 | $ 15,722,000 | $ 3,930,500 | $ 745,000 |
| Menifee, Kentucky | 3 | $ 221,000 | $ 73,666 | $ 77,000 |
| Rockcastle, Kentucky | 3 | $ 298,000 | $ 99,333 | $ 51,000 |
| Clermont, Ohio | 3 | $ 641,000 | $ 213,666 | $ 96,000 |
| Leon, Florida | 2 | $ 450,000 | $ 225,000 | $ 366,000 |
| Okaloosa, Florida | 2 | $ 467,000 | $ 233,500 | $ 207,000 |
| Boyd, Kentucky | 2 | $ 288,000 | $ 144,000 | $ 67,000 |
| Nicholas, Kentucky | 2 | $ 79,000 | $ 39,500 | $ 21,000 |
| Pulaski, Kentucky | 2 | $ 83,000 | $ 41,500 | $ 37,000 |
| Washington, Kentucky | 2 | $ 332,000 | $ 166,000 | $ 54,000 |
| Warren, Ohio | 2 | $ 361,000 | $ 180,500 | $ 316,000 |
| Spotsylvania, Virginia | 2 | $ 1,220,000 | $ 610,000 | $ 523,000 |
| Baldwin, Alabama | 1 | $ 260,000 | $ 260,000 | $ 250,000 |
| Ventura, California | 1 | $ 400,000 | $ 400,000 | $ 93,000 |
| Denver, Colorado | 1 | $ 210,000 | $ 210,000 | $ 63,000 |
| Gunnison, Colorado | 1 | $ 196,000 | $ 196,000 | $ 79,000 |
| Bay, Florida | 1 | $ 218,000 | $ 218,000 | $ 188,000 |
| Duval, Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Gulf, Florida | 1 | $ 213,000 | $ 213,000 | $ 126,000 |
| Lee, Florida | 1 | $ 310,000 | $ 310,000 | $ 304,000 |
| Manatee, Florida | 1 | $ 170,000 | $ 170,000 | $ 56,000 |
| Walton, Florida | 1 | $ 930,000 | $ 930,000 | $ 578,000 |
| Allen, Indiana | 1 | $ 116,000 | $ 116,000 | $ 43,000 |
| Hamilton, Indiana | 1 | $ 311,000 | $ 311,000 | $ 105,000 |
| Johnson, Indiana | 1 | $ 316,000 | $ 316,000 | $ 196,000 |
| Switzerland, Indiana | 1 | $ 204,000 | $ 204,000 | $ 94,000 |
| Warrick, Indiana | 1 | $ 142,000 | $ 142,000 | $ 61,000 |
| Van Buren, Iowa | 1 | $ 42,000 | $ 42,000 | $ 68,000 |
| Woodbury, Iowa | 1 | $ 67,000 | $ 67,000 | $ 54,000 |
| Barren, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 114,000 |
| Bath, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Breathitt, Kentucky | 1 | $ 92,000 | $ 92,000 | $ 53,000 |
| Bullitt, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Clay, Kentucky | 1 | $ 2,000 | $ 2,000 | $ 38,000 |
| Daviess, Kentucky | 1 | $ 257,000 | $ 257,000 | $ 30,000 |
| Fleming, Kentucky | 1 | $ 124,000 | $ 124,000 | $ 96,000 |
| Jackson, Kentucky | 1 | $ 182,000 | $ 182,000 | $ 53,000 |
| Knox, Kentucky | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Larue, Kentucky | 1 | $ 143,000 | $ 143,000 | $ 104,000 |
| Letcher, Kentucky | 1 | $ 138,000 | $ 138,000 | $ 52,000 |
| Logan, Kentucky | 1 | $ 71,000 | $ 71,000 | $ 32,000 |
| Pike, Kentucky | 1 | $ 46,000 | $ 46,000 | $ 102,000 |
| Robertson, Kentucky | 1 | $ 4,000 | $ 4,000 | $ 103,000 |
| Rowan, Kentucky | 1 | $ 118,000 | $ 118,000 | $ 58,000 |
| Shelby, Kentucky | 1 | $ 368,000 | $ 368,000 | $ 240,000 |
| Spencer, Kentucky | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Wayne, Kentucky | 1 | $ 268,000 | $ 268,000 | $ 994,000 |
| Wolfe, Kentucky | 1 | $ 283,000 | $ 283,000 | $ 367,000 |
| Cumberland, Maine | 1 | $ 140,000 | $ 140,000 | $ 198,000 |
| Muskegon, Michigan | 1 | $ 272,000 | $ 272,000 | $ 382,000 |
| Union, North Carolina | 1 | $ 218,000 | $ 218,000 | $ 85,000 |
| Butler, Ohio | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Clark, Ohio | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Delaware, Ohio | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Franklin, Ohio | 1 | $ 198,000 | $ 198,000 | $ 154,000 |
| Lawrence, Ohio | 1 | $ 197,000 | $ 197,000 | $ 94,000 |
| Charleston, South Carolina | 1 | $ 380,000 | $ 380,000 | $ 436,000 |
| Campbell, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 1,391,000 |
| Monroe, Tennessee | 1 | $ 132,000 | $ 132,000 | $ 140,000 |
| Williamson, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2015
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 | 1,098 | $201,250,000 | $183,000 | $4,017,000 | $104,000 | $3,758,000 |
| Refinancing | 531 | $105,913,000 | $199,000 | $1,805,000 | $113,000 | $1,825,000 |
| Home Improvement | 137 | $20,234,000 | $147,000 | $15,157,000 | $62,000 | $399,000 |
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 | 1,532 | $264,371,000 | $172,000 | $1,079,000 | $108,000 | $3,758,000 |
| Not applicable | 89 | $38,228,000 | $429,000 | $15,157,000 | $0 | $0 |
| Black or African American | 56 | $7,843,000 | $140,000 | $781,000 | $101,000 | $400,000 |
| Not Provided | 36 | $6,214,000 | $172,000 | $650,000 | $126,000 | $380,000 |
| Asian | 35 | $6,768,000 | $193,000 | $460,000 | $144,000 | $500,000 |
| Hispanic | 17 | $3,876,000 | $228,000 | $1,168,000 | $113,000 | $616,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $97,000 | $97,000 | $97,000 | $29,000 | $29,000 |
| 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) | 1,442 | $281,561,000 | $195,000 | $15,157,000 | $115,000 | $3,758,000 |
| FHA-insured (Federal Housing Administration) | 203 | $27,579,000 | $135,000 | $276,000 | $53,000 | $316,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 74 | $9,245,000 | $124,000 | $251,000 | $43,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 47 | $9,012,000 | $191,000 | $652,000 | $76,000 | $399,000 |
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 | 1,438 | $278,620,000 | $193,000 | $15,157,000 | $103,000 | $1,825,000 |
| Application Denied By Financial Institution | 133 | $15,701,000 | $118,000 | $880,000 | $101,000 | $1,391,000 |
| Application Approved But Not Accepted | 121 | $18,646,000 | $154,000 | $1,079,000 | $129,000 | $3,758,000 |
| Application Withdrawn By Applicant | 52 | $10,110,000 | $194,000 | $888,000 | $121,000 | $510,000 |
| Loan Purchased By The Institution | 22 | $4,320,000 | $196,000 | $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 | 60 | $5,560,000 | $92,000 | $380,000 | $64,000 | $436,000 |
| Debt-To-Income Ratio | 27 | $4,391,000 | $162,000 | $880,000 | $65,000 | $213,000 |
| Collateral | 23 | $3,516,000 | $152,000 | $693,000 | $108,000 | $496,000 |
| Other | 15 | $1,058,000 | $70,000 | $685,000 | $60,000 | $353,000 |
| Unverifiable Information | 3 | $463,000 | $154,000 | $257,000 | $99,000 | $120,000 |
| Credit Application Incomplete | 3 | $490,000 | $163,000 | $280,000 | $1,391,000 | $1,391,000 |
| Employment History | 2 | $223,000 | $111,000 | $221,000 | $25,000 | $30,000 |
| 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 2015 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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