Central Bank & Trust Co Mortgage Lending & HMDA Data, 2017
In 2017, Central Bank & Trust Co of Lexington, KY reported 1,781 mortgage applications totaling $348.6 million, down 5% from 2016. The average application was for $195,733, and applicants reported an average income of $107,413. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lexington-Fayette, KY (1,137), Louisville/Jefferson County, KY-IN (203) and Cincinnati, OH-KY-IN (156) (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 | 1,781 |
| Total Mortgage Loan Application Amount | $348,601,000 |
| Average Mortgage Loan Application Amount | $195,733 |
| Highest Mortgage Loan Application Amount | $11,200,000 |
| Average Applicant Income | $107,413 |
| Highest Applicant Income | $4,004,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 719 | $ 142,262,000 | $ 197,860 | $ 135,000 |
| Jefferson, Kentucky | 183 | $ 27,964,000 | $ 152,808 | $ 36,000 |
| Jessamine, Kentucky | 150 | $ 31,997,000 | $ 213,313 | $ 114,000 |
| Scott, Kentucky | 116 | $ 20,347,000 | $ 175,405 | $ 98,000 |
| Clark, Kentucky | 107 | $ 12,889,000 | $ 120,457 | $ 68,000 |
| Madison, Kentucky | 100 | $ 21,981,000 | $ 219,810 | $ 81,000 |
| Kenton, Kentucky | 74 | $ 14,622,000 | $ 197,594 | $ 109,000 |
| Boone, Kentucky | 35 | $ 8,980,000 | $ 256,571 | $ 111,000 |
| Woodford, Kentucky | 32 | $ 5,981,000 | $ 186,906 | $ 102,000 |
| Harrison, Kentucky | 25 | $ 3,517,000 | $ 140,680 | $ 60,000 |
| Garrard, Kentucky | 19 | $ 1,911,000 | $ 100,578 | $ 63,000 |
| Montgomery, Kentucky | 19 | $ 2,399,000 | $ 126,263 | $ 50,000 |
| Hamilton, Ohio | 19 | $ 5,579,000 | $ 293,631 | $ 233,000 |
| Campbell, Kentucky | 16 | $ 2,890,000 | $ 180,625 | $ 68,000 |
| Bourbon, Kentucky | 13 | $ 4,529,000 | $ 348,384 | $ 77,000 |
| Anderson, Kentucky | 9 | $ 1,000,000 | $ 111,111 | $ 60,000 |
| Franklin, Kentucky | 9 | $ 1,176,000 | $ 130,666 | $ 75,000 |
| Mercer, Kentucky | 9 | $ 1,045,000 | $ 116,111 | $ 94,000 |
| Oldham, Kentucky | 7 | $ 2,006,000 | $ 286,571 | $ 162,000 |
| Powell, Kentucky | 7 | $ 740,000 | $ 105,714 | $ 44,000 |
| Clermont, Ohio | 7 | $ 2,068,000 | $ 295,428 | $ 527,000 |
| Boyle, Kentucky | 6 | $ 558,000 | $ 93,000 | $ 41,000 |
| Bath, Kentucky | 5 | $ 477,000 | $ 95,400 | $ 54,000 |
| Shelby, Kentucky | 5 | $ 1,835,000 | $ 367,000 | $ 165,000 |
| Montgomery, Ohio | 5 | $ 15,694,000 | $ 3,138,800 | $ 7,000 |
| Bullitt, Kentucky | 4 | $ 335,000 | $ 83,750 | $ 95,000 |
| Lincoln, Kentucky | 3 | $ 292,000 | $ 97,333 | $ 61,000 |
| Owen, Kentucky | 3 | $ 319,000 | $ 106,333 | $ 84,000 |
| Pulaski, Kentucky | 3 | $ 194,000 | $ 64,666 | $ 65,000 |
| Robertson, Kentucky | 3 | $ 169,000 | $ 56,333 | $ 25,000 |
| Rockcastle, Kentucky | 3 | $ 90,000 | $ 30,000 | $ 57,000 |
| Hillsborough, Florida | 2 | $ 611,000 | $ 305,500 | $ 108,000 |
| Clark, Indiana | 2 | $ 393,000 | $ 196,500 | $ 61,000 |
| Dearborn, Indiana | 2 | $ 300,000 | $ 150,000 | $ 124,000 |
| Floyd, Indiana | 2 | $ 89,000 | $ 44,500 | $ 0 |
| Estill, Kentucky | 2 | $ 225,000 | $ 112,500 | $ 105,000 |
| Grant, Kentucky | 2 | $ 216,000 | $ 108,000 | $ 69,000 |
| Grayson, Kentucky | 2 | $ 230,000 | $ 115,000 | $ 35,000 |
| Hardin, Kentucky | 2 | $ 135,000 | $ 67,500 | $ 103,000 |
| Nicholas, Kentucky | 2 | $ 233,000 | $ 116,500 | $ 30,000 |
| Lawrence, Ohio | 2 | $ 408,000 | $ 204,000 | $ 104,000 |
| Blount, Tennessee | 2 | $ 638,000 | $ 319,000 | $ 74,000 |
| Davidson, Tennessee | 2 | $ 516,000 | $ 258,000 | $ 451,000 |
| Maricopa, Arizona | 1 | $ 210,000 | $ 210,000 | $ 65,000 |
| Clay, Florida | 1 | $ 82,000 | $ 82,000 | $ 37,000 |
| Collier, Florida | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Lee, Florida | 1 | $ 461,000 | $ 461,000 | $ 0 |
| Monroe, Florida | 1 | $ 750,000 | $ 750,000 | $ 1,000,000 |
| Pinellas, Florida | 1 | $ 148,000 | $ 148,000 | $ 79,000 |
| Sarasota, Florida | 1 | $ 150,000 | $ 150,000 | $ 81,000 |
| Allen, Indiana | 1 | $ 150,000 | $ 150,000 | $ 106,000 |
| Johnson, Indiana | 1 | $ 364,000 | $ 364,000 | $ 80,000 |
| Carter, Kentucky | 1 | $ 59,000 | $ 59,000 | $ 37,000 |
| Clay, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 100,000 |
| Fleming, Kentucky | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Greenup, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 234,000 |
| Jackson, Kentucky | 1 | $ 34,000 | $ 34,000 | $ 17,000 |
| Knox, Kentucky | 1 | $ 2,000 | $ 2,000 | $ 60,000 |
| Lawrence, Kentucky | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Marion, Kentucky | 1 | $ 53,000 | $ 53,000 | $ 140,000 |
| Mason, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 215,000 |
| Nelson, Kentucky | 1 | $ 2,000 | $ 2,000 | $ 36,000 |
| Perry, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Rowan, Kentucky | 1 | $ 20,000 | $ 20,000 | $ 80,000 |
| Trigg, Kentucky | 1 | $ 30,000 | $ 30,000 | $ 43,000 |
| Wayne, Kentucky | 1 | $ 140,000 | $ 140,000 | $ 240,000 |
| Kent, Michigan | 1 | $ 101,000 | $ 101,000 | $ 49,000 |
| Olmsted, Minnesota | 1 | $ 382,000 | $ 382,000 | $ 267,000 |
| Lincoln, North Carolina | 1 | $ 248,000 | $ 248,000 | $ 172,000 |
| Greene, Ohio | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Logan, Ohio | 1 | $ 103,000 | $ 103,000 | $ 73,000 |
| Miami, Ohio | 1 | $ 103,000 | $ 103,000 | $ 29,000 |
| Tuscarawas, Ohio | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Warren, Ohio | 1 | $ 508,000 | $ 508,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 424,000 | $ 424,000 | $ 325,000 |
| Beaufort, South Carolina | 1 | $ 424,000 | $ 424,000 | $ 1,160,000 |
| Horry, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 158,000 |
| York, South Carolina | 1 | $ 154,000 | $ 154,000 | $ 183,000 |
| Campbell, Tennessee | 1 | $ 1,150,000 | $ 1,150,000 | $ 335,000 |
| Claiborne, Tennessee | 1 | $ 424,000 | $ 424,000 | $ 134,000 |
| Hawkins, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 236,000 |
| Northampton, Virginia | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Orange, Virginia | 1 | $ 424,000 | $ 424,000 | $ 334,000 |
| Kanawha, West Virginia | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Bayfield, Wisconsin | 1 | $ 121,000 | $ 121,000 | $ 137,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2017
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 | 1,243 | $257,921,000 | $207,000 | $11,200,000 | $109,000 | $4,004,000 |
| Refinancing | 351 | $79,294,000 | $225,000 | $6,400,000 | $118,000 | $2,384,000 |
| Home Improvement | 187 | $11,386,000 | $60,000 | $1,200,000 | $77,000 | $881,000 |
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 | 1,435 | $275,698,000 | $192,000 | $1,371,000 | $122,000 | $4,004,000 |
| Not applicable | 199 | $51,833,000 | $260,000 | $11,200,000 | $0 | $0 |
| Asian | 43 | $9,397,000 | $218,000 | $828,000 | $166,000 | $606,000 |
| Not Provided | 42 | $4,393,000 | $104,000 | $1,031,000 | $109,000 | $579,000 |
| Black or African American | 38 | $4,332,000 | $114,000 | $370,000 | $69,000 | $234,000 |
| Hispanic | 22 | $2,851,000 | $129,000 | $360,000 | $94,000 | $500,000 |
| American Indian or Alaskan Native | 2 | $97,000 | $48,000 | $92,000 | $40,000 | $64,000 |
| Native Hawaiian 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) | 1,505 | $306,146,000 | $203,000 | $11,200,000 | $116,000 | $4,004,000 |
| FHA-insured (Federal Housing Administration) | 152 | $22,809,000 | $150,000 | $280,000 | $58,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $8,768,000 | $127,000 | $271,000 | $43,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 55 | $10,878,000 | $197,000 | $445,000 | $80,000 | $1,037,000 |
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 | 1,388 | $298,307,000 | $214,000 | $11,200,000 | $120,000 | $4,004,000 |
| Application Denied By Financial Institution | 126 | $15,153,000 | $120,000 | $1,327,000 | $65,000 | $612,000 |
| Application Withdrawn By Applicant | 124 | $24,006,000 | $193,000 | $744,000 | $111,000 | $579,000 |
| Loan Purchased By The Institution | 117 | $6,623,000 | $56,000 | $424,000 | $0 | $0 |
| Application Approved But Not Accepted | 22 | $4,047,000 | $183,000 | $424,000 | $112,000 | $432,000 |
| File Closed For Incompleteness | 4 | $465,000 | $116,000 | $162,000 | $43,000 | $53,000 |
| 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 | 47 | $4,248,000 | $90,000 | $1,100,000 | $58,000 | $212,000 |
| Debt-To-Income Ratio | 38 | $5,570,000 | $146,000 | $1,327,000 | $59,000 | $490,000 |
| Collateral | 17 | $2,270,000 | $133,000 | $620,000 | $104,000 | $612,000 |
| Other | 9 | $443,000 | $49,000 | $135,000 | $51,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $796,000 | $159,000 | $235,000 | $75,000 | $138,000 |
| Employment History | 4 | $390,000 | $97,000 | $167,000 | $24,000 | $40,000 |
| Credit Application Incomplete | 3 | $595,000 | $198,000 | $424,000 | $91,000 | $149,000 |
| Unverifiable Information | 3 | $841,000 | $280,000 | $417,000 | $80,000 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2017 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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