Central Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Central Bank & Trust Company 2016 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 | 1,867 |
| Total Mortgage Loan Application Amount | $400,493,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $14,725,000 |
| Average Applicant Income | $99,666 |
| Highest Applicant Income | $7,846,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 824 | $ 165,294,000 | $ 200,000 | $ 125,000 |
| Jessamine County Kentucky | 146 | $ 27,215,000 | $ 186,000 | $ 115,000 |
| Clark County Kentucky | 138 | $ 16,486,000 | $ 119,000 | $ 59,000 |
| Scott County Kentucky | 133 | $ 31,703,000 | $ 238,000 | $ 83,000 |
| Madison County Kentucky | 111 | $ 16,805,000 | $ 151,000 | $ 77,000 |
| Kenton County Kentucky | 107 | $ 33,617,000 | $ 314,000 | $ 126,000 |
| Jefferson County Kentucky | 43 | $ 7,777,000 | $ 180,000 | $ 26,000 |
| Boone County Kentucky | 35 | $ 10,765,000 | $ 307,000 | $ 103,000 |
| Hamilton County Ohio | 35 | $ 34,691,000 | $ 991,000 | $ 127,000 |
| Woodford County Kentucky | 33 | $ 5,592,000 | $ 169,000 | $ 87,000 |
| Montgomery County Kentucky | 23 | $ 3,227,000 | $ 140,000 | $ 68,000 |
| Garrard County Kentucky | 22 | $ 2,808,000 | $ 127,000 | $ 47,000 |
| Powell County Kentucky | 20 | $ 2,329,000 | $ 116,000 | $ 68,000 |
| Campbell County Kentucky | 19 | $ 2,748,000 | $ 144,000 | $ 61,000 |
| Harrison County Kentucky | 19 | $ 2,063,000 | $ 108,000 | $ 55,000 |
| Bourbon County Kentucky | 14 | $ 2,322,000 | $ 165,000 | $ 100,000 |
| Mercer County Kentucky | 12 | $ 1,902,000 | $ 158,000 | $ 94,000 |
| Franklin County Kentucky | 10 | $ 2,720,000 | $ 272,000 | $ 49,000 |
| Anderson County Kentucky | 9 | $ 1,179,000 | $ 131,000 | $ 62,000 |
| Boyle County Kentucky | 9 | $ 1,352,000 | $ 150,000 | $ 64,000 |
| Clermont County Ohio | 6 | $ 1,512,000 | $ 252,000 | $ 126,000 |
| Grant County Kentucky | 5 | $ 923,000 | $ 184,000 | $ 53,000 |
| Owen County Kentucky | 4 | $ 668,000 | $ 167,000 | $ 75,000 |
| Jackson County Kentucky | 3 | $ 58,000 | $ 19,000 | $ 43,000 |
| Menifee County Kentucky | 3 | $ 577,000 | $ 192,000 | $ 62,000 |
| Nelson County Kentucky | 3 | $ 750,000 | $ 250,000 | $ 67,000 |
| Nicholas County Kentucky | 3 | $ 1,114,000 | $ 371,000 | $ 167,000 |
| Rockcastle County Kentucky | 3 | $ 428,000 | $ 142,000 | $ 51,000 |
| Shelby County Kentucky | 3 | $ 686,000 | $ 228,000 | $ 67,000 |
| Lawrence County Ohio | 3 | $ 364,000 | $ 121,000 | $ 78,000 |
| Palm Beach County Florida | 2 | $ 199,000 | $ 99,000 | $ 134,000 |
| Dearborn County Indiana | 2 | $ 302,000 | $ 151,000 | $ 124,000 |
| Breathitt County Kentucky | 2 | $ 330,000 | $ 165,000 | $ 100,000 |
| Gallatin County Kentucky | 2 | $ 468,000 | $ 234,000 | $ 99,000 |
| Hardin County Kentucky | 2 | $ 222,000 | $ 111,000 | $ 18,000 |
| Henry County Kentucky | 2 | $ 124,000 | $ 62,000 | $ 8,000 |
| Laurel County Kentucky | 2 | $ 207,000 | $ 103,000 | $ 128,000 |
| Lincoln County Kentucky | 2 | $ 241,000 | $ 120,000 | $ 20,000 |
| Robertson County Kentucky | 2 | $ 133,000 | $ 66,000 | $ 47,000 |
| Russell County Kentucky | 2 | $ 181,000 | $ 90,000 | $ 171,000 |
| Wolfe County Kentucky | 2 | $ 220,000 | $ 110,000 | $ 96,000 |
| Montgomery County Ohio | 2 | $ 8,949,000 | $ 4,474,000 | $ 0 |
| Charleston County South Carolina | 2 | $ 761,000 | $ 380,000 | $ 305,000 |
| Riverside County California | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Ventura County California | 1 | $ 417,000 | $ 417,000 | $ 75,000 |
| Yolo County California | 1 | $ 284,000 | $ 284,000 | $ 76,000 |
| St. Johns County Florida | 1 | $ 183,000 | $ 183,000 | $ 160,000 |
| Cook County Illinois | 1 | $ 381,000 | $ 381,000 | $ 410,000 |
| Clark County Indiana | 1 | $ 128,000 | $ 128,000 | $ 48,000 |
| Floyd County Indiana | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Harrison County Indiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Jennings County Indiana | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Marion County Indiana | 1 | $ 203,000 | $ 203,000 | $ 125,000 |
| Noble County Indiana | 1 | $ 217,000 | $ 217,000 | $ 96,000 |
| Scott County Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Bath County Kentucky | 1 | $ 99,000 | $ 99,000 | $ 26,000 |
| Bell County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Boyd County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Casey County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Cumberland County Kentucky | 1 | $ 157,000 | $ 157,000 | $ 168,000 |
| Estill County Kentucky | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Floyd County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 237,000 |
| Hopkins County Kentucky | 1 | $ 300,000 | $ 300,000 | $ 325,000 |
| Leslie County Kentucky | 1 | $ 2,000 | $ 2,000 | $ 14,000 |
| Mason County Kentucky | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Oldham County Kentucky | 1 | $ 204,000 | $ 204,000 | $ 184,000 |
| Perry County Kentucky | 1 | $ 1,000 | $ 1,000 | $ 16,000 |
| Pike County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Pulaski County Kentucky | 1 | $ 169,000 | $ 169,000 | $ 128,000 |
| Rowan County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| Spencer County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 365,000 |
| Warren County Kentucky | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Howard County Maryland | 1 | $ 323,000 | $ 323,000 | $ 85,000 |
| Oakland County Michigan | 1 | $ 203,000 | $ 203,000 | $ 88,000 |
| Buncombe County North Carolina | 1 | $ 320,000 | $ 320,000 | $ 210,000 |
| Dare County North Carolina | 1 | $ 218,000 | $ 218,000 | $ 138,000 |
| Macon County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 323,000 |
| Aiken County South Carolina | 1 | $ 1,000 | $ 1,000 | $ 39,000 |
| Beaufort County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 1,225,000 |
| Greenville County South Carolina | 1 | $ 10,000 | $ 10,000 | $ 78,000 |
| Lancaster County South Carolina | 1 | $ 252,000 | $ 252,000 | $ 133,000 |
| Sevier County Tennessee | 1 | $ 102,000 | $ 102,000 | $ 40,000 |
| Sullivan County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Denton County Texas | 1 | $ 303,000 | $ 303,000 | $ 120,000 |
| Radford County Virginia | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Greenbrier County West Virginia | 1 | $ 1,329,000 | $ 1,329,000 | $ 497,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Company 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 Company'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 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.