Central Bank & Trust Co Mortgage Lending & HMDA Data, 2016
In 2016, Central Bank & Trust Co of Lexington, KY reported 1,867 mortgage applications totaling $400.5 million, up 6% from 2015. The average application was for $214,511, and applicants reported an average income of $104,455. 79% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lexington-Fayette, KY (1,288), Cincinnati, OH-KY-IN (211) and Louisville/Jefferson County, KY-IN (54) (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 | 1,867 |
| Total Mortgage Loan Application Amount | $400,493,000 |
| Average Mortgage Loan Application Amount | $214,511 |
| Highest Mortgage Loan Application Amount | $14,725,000 |
| Average Applicant Income | $104,455 |
| Highest Applicant Income | $7,846,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 824 | $ 165,294,000 | $ 200,599 | $ 125,000 |
| Jessamine, Kentucky | 146 | $ 27,215,000 | $ 186,404 | $ 115,000 |
| Clark, Kentucky | 138 | $ 16,486,000 | $ 119,463 | $ 59,000 |
| Scott, Kentucky | 133 | $ 31,703,000 | $ 238,368 | $ 83,000 |
| Madison, Kentucky | 111 | $ 16,805,000 | $ 151,396 | $ 77,000 |
| Kenton, Kentucky | 107 | $ 33,617,000 | $ 314,177 | $ 126,000 |
| Jefferson, Kentucky | 43 | $ 7,777,000 | $ 180,860 | $ 26,000 |
| Boone, Kentucky | 35 | $ 10,765,000 | $ 307,571 | $ 103,000 |
| Hamilton, Ohio | 35 | $ 34,691,000 | $ 991,171 | $ 127,000 |
| Woodford, Kentucky | 33 | $ 5,592,000 | $ 169,454 | $ 87,000 |
| Montgomery, Kentucky | 23 | $ 3,227,000 | $ 140,304 | $ 68,000 |
| Garrard, Kentucky | 22 | $ 2,808,000 | $ 127,636 | $ 47,000 |
| Powell, Kentucky | 20 | $ 2,329,000 | $ 116,450 | $ 68,000 |
| Campbell, Kentucky | 19 | $ 2,748,000 | $ 144,631 | $ 61,000 |
| Harrison, Kentucky | 19 | $ 2,063,000 | $ 108,578 | $ 55,000 |
| Bourbon, Kentucky | 14 | $ 2,322,000 | $ 165,857 | $ 100,000 |
| Mercer, Kentucky | 12 | $ 1,902,000 | $ 158,500 | $ 94,000 |
| Franklin, Kentucky | 10 | $ 2,720,000 | $ 272,000 | $ 49,000 |
| Anderson, Kentucky | 9 | $ 1,179,000 | $ 131,000 | $ 62,000 |
| Boyle, Kentucky | 9 | $ 1,352,000 | $ 150,222 | $ 64,000 |
| Clermont, Ohio | 6 | $ 1,512,000 | $ 252,000 | $ 126,000 |
| Grant, Kentucky | 5 | $ 923,000 | $ 184,600 | $ 53,000 |
| Owen, Kentucky | 4 | $ 668,000 | $ 167,000 | $ 75,000 |
| Jackson, Kentucky | 3 | $ 58,000 | $ 19,333 | $ 43,000 |
| Menifee, Kentucky | 3 | $ 577,000 | $ 192,333 | $ 62,000 |
| Nelson, Kentucky | 3 | $ 750,000 | $ 250,000 | $ 67,000 |
| Nicholas, Kentucky | 3 | $ 1,114,000 | $ 371,333 | $ 167,000 |
| Rockcastle, Kentucky | 3 | $ 428,000 | $ 142,666 | $ 51,000 |
| Shelby, Kentucky | 3 | $ 686,000 | $ 228,666 | $ 67,000 |
| Lawrence, Ohio | 3 | $ 364,000 | $ 121,333 | $ 78,000 |
| Palm Beach, Florida | 2 | $ 199,000 | $ 99,500 | $ 134,000 |
| Dearborn, Indiana | 2 | $ 302,000 | $ 151,000 | $ 124,000 |
| Breathitt, Kentucky | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Gallatin, Kentucky | 2 | $ 468,000 | $ 234,000 | $ 99,000 |
| Hardin, Kentucky | 2 | $ 222,000 | $ 111,000 | $ 18,000 |
| Henry, Kentucky | 2 | $ 124,000 | $ 62,000 | $ 8,000 |
| Laurel, Kentucky | 2 | $ 207,000 | $ 103,500 | $ 128,000 |
| Lincoln, Kentucky | 2 | $ 241,000 | $ 120,500 | $ 20,000 |
| Robertson, Kentucky | 2 | $ 133,000 | $ 66,500 | $ 47,000 |
| Russell, Kentucky | 2 | $ 181,000 | $ 90,500 | $ 171,000 |
| Wolfe, Kentucky | 2 | $ 220,000 | $ 110,000 | $ 96,000 |
| Montgomery, Ohio | 2 | $ 8,949,000 | $ 4,474,500 | $ 0 |
| Charleston, South Carolina | 2 | $ 761,000 | $ 380,500 | $ 305,000 |
| Riverside, California | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Ventura, California | 1 | $ 417,000 | $ 417,000 | $ 75,000 |
| Yolo, California | 1 | $ 284,000 | $ 284,000 | $ 76,000 |
| St. Johns, Florida | 1 | $ 183,000 | $ 183,000 | $ 160,000 |
| Cook, Illinois | 1 | $ 381,000 | $ 381,000 | $ 410,000 |
| Clark, Indiana | 1 | $ 128,000 | $ 128,000 | $ 48,000 |
| Floyd, Indiana | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Harrison, Indiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Jennings, Indiana | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Marion, Indiana | 1 | $ 203,000 | $ 203,000 | $ 125,000 |
| Noble, Indiana | 1 | $ 217,000 | $ 217,000 | $ 96,000 |
| Scott, Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Bath, Kentucky | 1 | $ 99,000 | $ 99,000 | $ 26,000 |
| Bell, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Boyd, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Casey, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Cumberland, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 168,000 |
| Estill, Kentucky | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Floyd, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 237,000 |
| Hopkins, Kentucky | 1 | $ 300,000 | $ 300,000 | $ 325,000 |
| Leslie, Kentucky | 1 | $ 2,000 | $ 2,000 | $ 14,000 |
| Mason, Kentucky | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Oldham, Kentucky | 1 | $ 204,000 | $ 204,000 | $ 184,000 |
| Perry, Kentucky | 1 | $ 1,000 | $ 1,000 | $ 16,000 |
| Pike, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Pulaski, Kentucky | 1 | $ 169,000 | $ 169,000 | $ 128,000 |
| Rowan, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| Spencer, Kentucky | 1 | $ 130,000 | $ 130,000 | $ 365,000 |
| Warren, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Howard, Maryland | 1 | $ 323,000 | $ 323,000 | $ 85,000 |
| Oakland, Michigan | 1 | $ 203,000 | $ 203,000 | $ 88,000 |
| Buncombe, North Carolina | 1 | $ 320,000 | $ 320,000 | $ 210,000 |
| Dare, North Carolina | 1 | $ 218,000 | $ 218,000 | $ 138,000 |
| Macon, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 323,000 |
| Aiken, South Carolina | 1 | $ 1,000 | $ 1,000 | $ 39,000 |
| Beaufort, South Carolina | 1 | $ 300,000 | $ 300,000 | $ 1,225,000 |
| Greenville, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 78,000 |
| Lancaster, South Carolina | 1 | $ 252,000 | $ 252,000 | $ 133,000 |
| Sevier, Tennessee | 1 | $ 102,000 | $ 102,000 | $ 40,000 |
| Sullivan, Tennessee | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Denton, Texas | 1 | $ 303,000 | $ 303,000 | $ 120,000 |
| Radford, Virginia | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Greenbrier, West Virginia | 1 | $ 1,329,000 | $ 1,329,000 | $ 497,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2016
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 | 1,111 | $256,284,000 | $230,000 | $14,725,000 | $103,000 | $7,846,000 |
| Refinancing | 549 | $126,144,000 | $229,000 | $1,800,000 | $117,000 | $1,719,000 |
| Home Improvement | 207 | $18,065,000 | $87,000 | $1,540,000 | $79,000 | $724,000 |
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 | 1,589 | $295,826,000 | $186,000 | $3,225,000 | $114,000 | $7,846,000 |
| Not applicable | 135 | $82,196,000 | $608,000 | $14,725,000 | $0 | $0 |
| Asian | 47 | $10,160,000 | $216,000 | $740,000 | $121,000 | $500,000 |
| Black or African American | 46 | $5,871,000 | $127,000 | $446,000 | $88,000 | $332,000 |
| Hispanic | 26 | $3,375,000 | $129,000 | $601,000 | $87,000 | $500,000 |
| Not Provided | 22 | $2,903,000 | $131,000 | $650,000 | $93,000 | $400,000 |
| American Indian or Alaskan Native | 2 | $162,000 | $81,000 | $160,000 | $98,000 | $115,000 |
| Native Hawaiin 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) | 1,560 | $353,292,000 | $226,000 | $14,725,000 | $114,000 | $7,846,000 |
| FHA-insured (Federal Housing Administration) | 190 | $27,871,000 | $146,000 | $393,000 | $59,000 | $666,000 |
| VA-guaranteed (Veterans Administration) | 62 | $12,386,000 | $199,000 | $515,000 | $61,000 | $254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $6,944,000 | $126,000 | $200,000 | $41,000 | $76,000 |
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 | 1,482 | $338,508,000 | $228,000 | $14,725,000 | $111,000 | $7,846,000 |
| Application Approved But Not Accepted | 162 | $29,917,000 | $184,000 | $1,438,000 | $107,000 | $973,000 |
| Application Denied By Financial Institution | 152 | $18,669,000 | $122,000 | $1,437,000 | $60,000 | $452,000 |
| Loan Purchased By The Institution | 38 | $7,100,000 | $186,000 | $417,000 | $0 | $0 |
| Application Withdrawn By Applicant | 33 | $6,299,000 | $190,000 | $653,000 | $101,000 | $509,000 |
| File Closed For Incompleteness | 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 | 72 | $5,586,000 | $77,000 | $348,000 | $55,000 | $271,000 |
| Debt-To-Income Ratio | 44 | $7,784,000 | $176,000 | $1,437,000 | $54,000 | $452,000 |
| Collateral | 21 | $3,353,000 | $159,000 | $400,000 | $85,000 | $211,000 |
| Other | 8 | $608,000 | $76,000 | $328,000 | $52,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,018,000 | $203,000 | $383,000 | $85,000 | $226,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $200,000 | $57,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2016 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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