Central Bank & Trust Co Mortgage Lending & HMDA Data, 2018
In 2018, Central Bank & Trust Co of Lexington, KY reported 2,108 mortgage applications totaling $526.4 million, up 18% from 2017. The average application was for $249,715, and applicants reported an average income of $137,308. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (1,384), Louisville/Jefferson County, KY-IN (226) and Cincinnati, OH-KY-IN (201) (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 | 2,108 |
| Total Mortgage Loan Application Amount | $526,400,000 |
| Average Mortgage Loan Application Amount | $249,715 |
| Highest Mortgage Loan Application Amount | $52,755,000 |
| Average Applicant Income | $137,308 |
| Highest Applicant Income | $3,750,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 881 | $ 152,435,000 | $ 173,024 | $ 136,000 |
| Jessamine, Kentucky | 199 | $ 69,515,000 | $ 349,321 | $ 121,000 |
| Jefferson, Kentucky | 167 | $ 133,155,000 | $ 797,335 | $ 191,000 |
| Scott, Kentucky | 153 | $ 40,635,000 | $ 265,588 | $ 102,000 |
| Madison, Kentucky | 117 | $ 19,345,000 | $ 165,341 | $ 105,000 |
| Clark, Kentucky | 112 | $ 12,620,000 | $ 112,678 | $ 77,000 |
| Kenton, Kentucky | 94 | $ 16,560,000 | $ 176,170 | $ 130,000 |
| Boone, Kentucky | 46 | $ 8,520,000 | $ 185,217 | $ 180,000 |
| Hamilton, Ohio | 28 | $ 10,940,000 | $ 390,714 | $ 204,000 |
| Oldham, Kentucky | 26 | $ 4,610,000 | $ 177,307 | $ 205,000 |
| Woodford, Kentucky | 25 | $ 4,145,000 | $ 165,800 | $ 115,000 |
| Harrison, Kentucky | 22 | $ 3,830,000 | $ 174,090 | $ 88,000 |
| Campbell, Kentucky | 18 | $ 3,530,000 | $ 196,111 | $ 144,000 |
| Montgomery, Kentucky | 18 | $ 1,770,000 | $ 98,333 | $ 63,000 |
| Garrard, Kentucky | 17 | $ 2,605,000 | $ 153,235 | $ 91,000 |
| Bourbon, Kentucky | 14 | $ 1,860,000 | $ 132,857 | $ 78,000 |
| Franklin, Kentucky | 13 | $ 4,325,000 | $ 332,692 | $ 119,000 |
| Powell, Kentucky | 11 | $ 925,000 | $ 84,090 | $ 55,000 |
| Mercer, Kentucky | 10 | $ 2,090,000 | $ 209,000 | $ 157,000 |
| Shelby, Kentucky | 10 | $ 1,950,000 | $ 195,000 | $ 122,000 |
| Anderson, Kentucky | 9 | $ 1,175,000 | $ 130,555 | $ 89,000 |
| Boyle, Kentucky | 9 | $ 1,785,000 | $ 198,333 | $ 128,000 |
| Bullitt, Kentucky | 8 | $ 1,180,000 | $ 147,500 | $ 78,000 |
| Clark, Indiana | 6 | $ 710,000 | $ 118,333 | $ 180,000 |
| Grant, Kentucky | 4 | $ 820,000 | $ 205,000 | $ 71,000 |
| Pulaski, Kentucky | 4 | $ 580,000 | $ 145,000 | $ 120,000 |
| Rockcastle, Kentucky | 4 | $ 400,000 | $ 100,000 | $ 63,000 |
| Spencer, Kentucky | 4 | $ 590,000 | $ 147,500 | $ 269,000 |
| Lincoln, Kentucky | 3 | $ 425,000 | $ 141,666 | $ 98,000 |
| Nelson, Kentucky | 3 | $ 195,000 | $ 65,000 | $ 127,000 |
| Butler, Ohio | 3 | $ 505,000 | $ 168,333 | $ 73,000 |
| Charlotte, Florida | 2 | $ 260,000 | $ 130,000 | $ 93,000 |
| Pinellas, Florida | 2 | $ 1,030,000 | $ 515,000 | $ 267,000 |
| Floyd, Indiana | 2 | $ 470,000 | $ 235,000 | $ 74,000 |
| Bracken, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 58,000 |
| Casey, Kentucky | 2 | $ 240,000 | $ 120,000 | $ 51,000 |
| Estill, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 40,000 |
| Henry, Kentucky | 2 | $ 710,000 | $ 355,000 | $ 125,000 |
| Jackson, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 56,000 |
| Mason, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 86,000 |
| Nicholas, Kentucky | 2 | $ 90,000 | $ 45,000 | $ 67,000 |
| Warren, Kentucky | 2 | $ 710,000 | $ 355,000 | $ 750,000 |
| Wayne, Kentucky | 2 | $ 1,590,000 | $ 795,000 | $ 1,463,000 |
| Clermont, Ohio | 2 | $ 270,000 | $ 135,000 | $ 147,000 |
| Warren, Ohio | 2 | $ 490,000 | $ 245,000 | $ 413,000 |
| Davidson, Tennessee | 2 | $ 480,000 | $ 240,000 | $ 219,000 |
| Flagler, Florida | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Monroe, Florida | 1 | $ 6,005,000 | $ 6,005,000 | $ 1,890,000 |
| Nassau, Florida | 1 | $ 305,000 | $ 305,000 | $ 125,000 |
| Okeechobee, Florida | 1 | $ 725,000 | $ 725,000 | $ 173,000 |
| Sarasota, Florida | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| St. Lucie, Florida | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Walton, Florida | 1 | $ 2,275,000 | $ 2,275,000 | $ 3,750,000 |
| Grant, Indiana | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Harrison, Indiana | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Marion, Indiana | 1 | $ 245,000 | $ 245,000 | $ 148,000 |
| Switzerland, Indiana | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Vanderburgh, Indiana | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Barren, Kentucky | 1 | $ 445,000 | $ 445,000 | $ 538,000 |
| Bath, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 110,000 |
| Carroll, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Edmonson, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 198,000 |
| Gallatin, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 123,000 |
| Hardin, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Owen, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Pendleton, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 250,000 |
| Pike, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 329,000 |
| Rowan, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 82,000 |
| Washington, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Whitley, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Bergen, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 2,237,000 |
| Union, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 200,000 |
| Athens, Ohio | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Franklin, Ohio | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Lawrence, Ohio | 1 | $ 35,000 | $ 35,000 | $ 113,000 |
| Meigs, Ohio | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Montgomery, Ohio | 1 | $ 205,000 | $ 205,000 | $ 107,000 |
| Allegheny, Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 190,000 |
| Campbell, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 311,000 |
| Hamilton, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| Obion, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Roane, Tennessee | 1 | $ 375,000 | $ 375,000 | $ 120,000 |
| Sevier, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 222,000 |
| Shelby, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
| Williamson, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 1,517,000 |
| Wood, West Virginia | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2018
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 | 1,035 | $374,385,000 | $361,000 | $52,755,000 | $127,000 | $3,750,000 |
| Refinancing | 405 | $84,235,000 | $207,000 | $6,005,000 | $181,000 | $2,707,000 |
| Other Purpose | 370 | $30,280,000 | $81,000 | $575,000 | $138,000 | $2,170,000 |
| Home Improvement | 168 | $10,570,000 | $62,000 | $665,000 | $112,000 | $750,000 |
| Cash-out Refinancing | 130 | $26,930,000 | $207,000 | $575,000 | $114,000 | $2,100,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,792 | $318,520,000 | $177,000 | $6,005,000 | $138,000 | $3,750,000 |
| Not applicable | 98 | $178,530,000 | $1,821,000 | $52,755,000 | $0 | $0 |
| Not Provided | 79 | $7,645,000 | $96,000 | $625,000 | $107,000 | $650,000 |
| Black or African American | 68 | $9,700,000 | $142,000 | $805,000 | $124,000 | $2,237,000 |
| Hispanic | 29 | $3,945,000 | $136,000 | $645,000 | $116,000 | $528,000 |
| Asian | 29 | $6,345,000 | $218,000 | $735,000 | $193,000 | $870,000 |
| American Indian or Alaskan Native | 3 | $65,000 | $21,000 | $35,000 | $45,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $270,000 | $135,000 | $245,000 | $89,000 | $148,000 |
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) | 1,917 | $492,625,000 | $256,000 | $52,755,000 | $145,000 | $3,750,000 |
| FHA-insured (Federal Housing Administration) | 113 | $17,885,000 | $158,000 | $295,000 | $62,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 45 | $11,375,000 | $252,000 | $575,000 | $93,000 | $268,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $4,515,000 | $136,000 | $255,000 | $48,000 | $73,000 |
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 | 1,738 | $471,890,000 | $271,000 | $52,755,000 | $143,000 | $3,750,000 |
| Application Denied By Financial Institution | 187 | $19,795,000 | $105,000 | $685,000 | $75,000 | $404,000 |
| Application Withdrawn By Applicant | 143 | $27,505,000 | $192,000 | $1,205,000 | $145,000 | $2,100,000 |
| Application Approved But Not Accepted | 37 | $6,855,000 | $185,000 | $665,000 | $172,000 | $1,517,000 |
| File Closed For Incompleteness | 2 | $270,000 | $135,000 | $205,000 | $100,000 | $164,000 |
| Loan Purchased By The Institution | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,921 | $506,605,000 | $263,000 | $52,755,000 | $144,000 | $3,750,000 |
| Credit History | 76 | $6,120,000 | $80,000 | $555,000 | $72,000 | $321,000 |
| Debt-To-Income Ratio | 60 | $6,120,000 | $102,000 | $625,000 | $55,000 | $182,000 |
| Other | 15 | $2,075,000 | $138,000 | $575,000 | $124,000 | $404,000 |
| Collateral | 14 | $2,100,000 | $150,000 | $335,000 | $85,000 | $144,000 |
| Credit Application Incomplete | 7 | $1,895,000 | $270,000 | $685,000 | $173,000 | $265,000 |
| Employment History | 6 | $380,000 | $63,000 | $145,000 | $59,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,000,000 | $166,000 | $285,000 | $65,000 | $103,000 |
| Unverifiable Information | 3 | $105,000 | $35,000 | $85,000 | $114,000 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2018 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.
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