Central Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Central Bank & Trust Company 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Central Bank & Trust Company Po Box 1360 Lexington, KY 40588 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | $176,333 |
| Highest Mortgage Loan Application Amount | $15,157,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $3,758,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Central Bank & Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Central Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Central Bank & Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Central Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Central Bank & Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Central Bank & Trust Company's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayette County Kentucky | 766 | $ 141,066,000 | $ 184,000 | $ 118,000 |
| Jessamine County Kentucky | 183 | $ 36,158,000 | $ 197,000 | $ 106,000 |
| Clark County Kentucky | 132 | $ 13,474,000 | $ 102,000 | $ 56,000 |
| Scott County Kentucky | 131 | $ 20,033,000 | $ 152,000 | $ 80,000 |
| Madison County Kentucky | 95 | $ 15,340,000 | $ 161,000 | $ 80,000 |
| Kenton County Kentucky | 49 | $ 12,479,000 | $ 254,000 | $ 114,000 |
| Boone County Kentucky | 48 | $ 11,270,000 | $ 234,000 | $ 121,000 |
| Harrison County Kentucky | 40 | $ 5,116,000 | $ 127,000 | $ 87,000 |
| Montgomery County Kentucky | 33 | $ 3,277,000 | $ 99,000 | $ 46,000 |
| Woodford County Kentucky | 30 | $ 6,736,000 | $ 224,000 | $ 119,000 |
| Jefferson County Kentucky | 26 | $ 9,000,000 | $ 346,000 | $ 38,000 |
| Campbell County Kentucky | 20 | $ 3,001,000 | $ 150,000 | $ 94,000 |
| Powell County Kentucky | 20 | $ 1,684,000 | $ 84,000 | $ 61,000 |
| Garrard County Kentucky | 16 | $ 2,787,000 | $ 174,000 | $ 66,000 |
| Mercer County Kentucky | 14 | $ 1,786,000 | $ 127,000 | $ 82,000 |
| Hamilton County Ohio | 13 | $ 3,390,000 | $ 260,000 | $ 82,000 |
| Bourbon County Kentucky | 12 | $ 2,037,000 | $ 169,000 | $ 53,000 |
| Franklin County Kentucky | 11 | $ 1,551,000 | $ 141,000 | $ 76,000 |
| Anderson County Kentucky | 8 | $ 1,707,000 | $ 213,000 | $ 99,000 |
| Estill County Kentucky | 8 | $ 966,000 | $ 120,000 | $ 60,000 |
| Boyle County Kentucky | 7 | $ 804,000 | $ 114,000 | $ 51,000 |
| Grant County Kentucky | 7 | $ 1,257,000 | $ 179,000 | $ 105,000 |
| Oldham County Kentucky | 7 | $ 1,500,000 | $ 214,000 | $ 20,000 |
| Laurel County Kentucky | 5 | $ 834,000 | $ 166,000 | $ 221,000 |
| Lincoln County Kentucky | 4 | $ 254,000 | $ 63,000 | $ 42,000 |
| Nelson County Kentucky | 4 | $ 587,000 | $ 146,000 | $ 64,000 |
| Montgomery County Ohio | 4 | $ 15,722,000 | $ 3,930,000 | $ 745,000 |
| Menifee County Kentucky | 3 | $ 221,000 | $ 73,000 | $ 77,000 |
| Rockcastle County Kentucky | 3 | $ 298,000 | $ 99,000 | $ 51,000 |
| Clermont County Ohio | 3 | $ 641,000 | $ 213,000 | $ 96,000 |
| Leon County Florida | 2 | $ 450,000 | $ 225,000 | $ 366,000 |
| Okaloosa County Florida | 2 | $ 467,000 | $ 233,000 | $ 207,000 |
| Boyd County Kentucky | 2 | $ 288,000 | $ 144,000 | $ 67,000 |
| Nicholas County Kentucky | 2 | $ 79,000 | $ 39,000 | $ 21,000 |
| Pulaski County Kentucky | 2 | $ 83,000 | $ 41,000 | $ 37,000 |
| Washington County Kentucky | 2 | $ 332,000 | $ 166,000 | $ 54,000 |
| Warren County Ohio | 2 | $ 361,000 | $ 180,000 | $ 316,000 |
| Spotsylvania County Virginia | 2 | $ 1,220,000 | $ 610,000 | $ 523,000 |
| Baldwin County Alabama | 1 | $ 260,000 | $ 260,000 | $ 250,000 |
| Ventura County California | 1 | $ 400,000 | $ 400,000 | $ 93,000 |
| Denver County Colorado | 1 | $ 210,000 | $ 210,000 | $ 63,000 |
| Gunnison County Colorado | 1 | $ 196,000 | $ 196,000 | $ 79,000 |
| Bay County Florida | 1 | $ 218,000 | $ 218,000 | $ 188,000 |
| Duval County Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Gulf County Florida | 1 | $ 213,000 | $ 213,000 | $ 126,000 |
| Lee County Florida | 1 | $ 310,000 | $ 310,000 | $ 304,000 |
| Manatee County Florida | 1 | $ 170,000 | $ 170,000 | $ 56,000 |
| Walton County Florida | 1 | $ 930,000 | $ 930,000 | $ 578,000 |
| Allen County Indiana | 1 | $ 116,000 | $ 116,000 | $ 43,000 |
| Hamilton County Indiana | 1 | $ 311,000 | $ 311,000 | $ 105,000 |
| Johnson County Indiana | 1 | $ 316,000 | $ 316,000 | $ 196,000 |
| Switzerland County Indiana | 1 | $ 204,000 | $ 204,000 | $ 94,000 |
| Warrick County Indiana | 1 | $ 142,000 | $ 142,000 | $ 61,000 |
| Van Buren County Iowa | 1 | $ 42,000 | $ 42,000 | $ 68,000 |
| Woodbury County Iowa | 1 | $ 67,000 | $ 67,000 | $ 54,000 |
| Barren County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 114,000 |
| Bath County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Breathitt County Kentucky | 1 | $ 92,000 | $ 92,000 | $ 53,000 |
| Bullitt County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Clay County Kentucky | 1 | $ 2,000 | $ 2,000 | $ 38,000 |
| Daviess County Kentucky | 1 | $ 257,000 | $ 257,000 | $ 30,000 |
| Fleming County Kentucky | 1 | $ 124,000 | $ 124,000 | $ 96,000 |
| Jackson County Kentucky | 1 | $ 182,000 | $ 182,000 | $ 53,000 |
| Knox County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Larue County Kentucky | 1 | $ 143,000 | $ 143,000 | $ 104,000 |
| Letcher County Kentucky | 1 | $ 138,000 | $ 138,000 | $ 52,000 |
| Logan County Kentucky | 1 | $ 71,000 | $ 71,000 | $ 32,000 |
| Pike County Kentucky | 1 | $ 46,000 | $ 46,000 | $ 102,000 |
| Robertson County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 103,000 |
| Rowan County Kentucky | 1 | $ 118,000 | $ 118,000 | $ 58,000 |
| Shelby County Kentucky | 1 | $ 368,000 | $ 368,000 | $ 240,000 |
| Spencer County Kentucky | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Wayne County Kentucky | 1 | $ 268,000 | $ 268,000 | $ 994,000 |
| Wolfe County Kentucky | 1 | $ 283,000 | $ 283,000 | $ 367,000 |
| Cumberland County Maine | 1 | $ 140,000 | $ 140,000 | $ 198,000 |
| Muskegon County Michigan | 1 | $ 272,000 | $ 272,000 | $ 382,000 |
| Union County North Carolina | 1 | $ 218,000 | $ 218,000 | $ 85,000 |
| Butler County Ohio | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Clark County Ohio | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Delaware County Ohio | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Franklin County Ohio | 1 | $ 198,000 | $ 198,000 | $ 154,000 |
| Lawrence County Ohio | 1 | $ 197,000 | $ 197,000 | $ 94,000 |
| Charleston County South Carolina | 1 | $ 380,000 | $ 380,000 | $ 436,000 |
| Campbell County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 1,391,000 |
| Monroe County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 140,000 |
| Williamson County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Company 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 Company'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 Company'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.