Central Bank & Trust Co Mortgage Lending & HMDA Data, 2019
In 2019, Central Bank & Trust Co of Lexington, KY reported 2,230 mortgage applications totaling $428.0 million, up 6% from 2018. The average application was for $191,926, and applicants reported an average income of $146,368. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (1,390), Cincinnati, OH-KY-IN (261) and Louisville/Jefferson County, KY-IN (218) (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 | 2,230 |
| Total Mortgage Loan Application Amount | $427,995,000 |
| Average Mortgage Loan Application Amount | $191,926 |
| Highest Mortgage Loan Application Amount | $4,285,000 |
| Average Applicant Income | $146,368 |
| Highest Applicant Income | $3,121,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 888 | $ 165,490,000 | $ 186,362 | $ 142,000 |
| Jessamine, Kentucky | 195 | $ 41,325,000 | $ 211,923 | $ 156,000 |
| Jefferson, Kentucky | 165 | $ 40,140,000 | $ 243,272 | $ 196,000 |
| Scott, Kentucky | 162 | $ 24,720,000 | $ 152,592 | $ 107,000 |
| Madison, Kentucky | 128 | $ 18,860,000 | $ 147,343 | $ 89,000 |
| Kenton, Kentucky | 117 | $ 22,975,000 | $ 196,367 | $ 178,000 |
| Clark, Kentucky | 102 | $ 12,880,000 | $ 126,274 | $ 85,000 |
| Boone, Kentucky | 68 | $ 13,400,000 | $ 197,058 | $ 131,000 |
| Hamilton, Ohio | 39 | $ 13,945,000 | $ 357,564 | $ 286,000 |
| Harrison, Kentucky | 33 | $ 4,335,000 | $ 131,363 | $ 67,000 |
| Woodford, Kentucky | 30 | $ 5,410,000 | $ 180,333 | $ 123,000 |
| Oldham, Kentucky | 27 | $ 6,995,000 | $ 259,074 | $ 204,000 |
| Campbell, Kentucky | 25 | $ 4,415,000 | $ 176,600 | $ 152,000 |
| Garrard, Kentucky | 24 | $ 3,090,000 | $ 128,750 | $ 121,000 |
| Franklin, Kentucky | 15 | $ 3,615,000 | $ 241,000 | $ 89,000 |
| Montgomery, Kentucky | 15 | $ 1,785,000 | $ 119,000 | $ 69,000 |
| Anderson, Kentucky | 14 | $ 2,370,000 | $ 169,285 | $ 86,000 |
| Mercer, Kentucky | 14 | $ 1,460,000 | $ 104,285 | $ 90,000 |
| Powell, Kentucky | 14 | $ 1,740,000 | $ 124,285 | $ 82,000 |
| Bourbon, Kentucky | 13 | $ 2,655,000 | $ 204,230 | $ 162,000 |
| Boyle, Kentucky | 7 | $ 915,000 | $ 130,714 | $ 97,000 |
| Bullitt, Kentucky | 6 | $ 410,000 | $ 68,333 | $ 119,000 |
| Shelby, Kentucky | 6 | $ 1,980,000 | $ 330,000 | $ 242,000 |
| Lee, Florida | 5 | $ 1,985,000 | $ 397,000 | $ 380,000 |
| Floyd, Indiana | 5 | $ 505,000 | $ 101,000 | $ 112,000 |
| Warren, Ohio | 5 | $ 1,225,000 | $ 245,000 | $ 369,000 |
| Manatee, Florida | 4 | $ 830,000 | $ 207,500 | $ 162,000 |
| Clark, Indiana | 4 | $ 480,000 | $ 120,000 | $ 178,000 |
| Bath, Kentucky | 4 | $ 220,000 | $ 55,000 | $ 60,000 |
| Pulaski, Kentucky | 4 | $ 230,000 | $ 57,500 | $ 111,000 |
| Davidson, Tennessee | 4 | $ 1,140,000 | $ 285,000 | $ 412,000 |
| Collier, Florida | 3 | $ 6,615,000 | $ 2,205,000 | $ 1,775,000 |
| Estill, Kentucky | 3 | $ 195,000 | $ 65,000 | $ 61,000 |
| Gallatin, Kentucky | 3 | $ 365,000 | $ 121,666 | $ 77,000 |
| Rowan, Kentucky | 3 | $ 405,000 | $ 135,000 | $ 60,000 |
| Spencer, Kentucky | 3 | $ 835,000 | $ 278,333 | $ 94,000 |
| Montgomery, Ohio | 3 | $ 2,475,000 | $ 825,000 | $ 0 |
| Scott, Indiana | 2 | $ 70,000 | $ 35,000 | $ 95,000 |
| Boyd, Kentucky | 2 | $ 120,000 | $ 60,000 | $ 55,000 |
| Daviess, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 25,000 |
| Henry, Kentucky | 2 | $ 580,000 | $ 290,000 | $ 134,000 |
| Laurel, Kentucky | 2 | $ 230,000 | $ 115,000 | $ 275,000 |
| Meade, Kentucky | 2 | $ 300,000 | $ 150,000 | $ 123,000 |
| Nelson, Kentucky | 2 | $ 550,000 | $ 275,000 | $ 101,000 |
| Owen, Kentucky | 2 | $ 220,000 | $ 110,000 | $ 36,000 |
| Perry, Kentucky | 2 | $ 690,000 | $ 345,000 | $ 188,000 |
| Rockcastle, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 50,000 |
| Russell, Kentucky | 2 | $ 360,000 | $ 180,000 | $ 291,000 |
| Warren, Kentucky | 2 | $ 230,000 | $ 115,000 | $ 127,000 |
| Wayne, Kentucky | 2 | $ 780,000 | $ 390,000 | $ 465,000 |
| Clermont, Ohio | 2 | $ 500,000 | $ 250,000 | $ 329,000 |
| Aiken, South Carolina | 2 | $ 410,000 | $ 205,000 | $ 78,000 |
| Sevier, Tennessee | 2 | $ 420,000 | $ 210,000 | $ 320,000 |
| Jefferson, Alabama | 1 | $ 205,000 | $ 205,000 | $ 469,000 |
| Ventura, California | 1 | $ 485,000 | $ 485,000 | $ 90,000 |
| Alachua, Florida | 1 | $ 185,000 | $ 185,000 | $ 710,000 |
| Escambia, Florida | 1 | $ 175,000 | $ 175,000 | $ 1,683,000 |
| Franklin, Florida | 1 | $ 345,000 | $ 345,000 | $ 172,000 |
| Pinellas, Florida | 1 | $ 635,000 | $ 635,000 | $ 236,000 |
| Sarasota, Florida | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| St. Lucie, Florida | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Baldwin, Georgia | 1 | $ 325,000 | $ 325,000 | $ 62,000 |
| Dearborn, Indiana | 1 | $ 5,000 | $ 5,000 | $ 45,000 |
| Hamilton, Indiana | 1 | $ 285,000 | $ 285,000 | $ 154,000 |
| Jefferson, Indiana | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Warrick, Indiana | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Breckinridge, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 152,000 |
| Carroll, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Carter, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Grant, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Graves, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Grayson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Johnson, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 115,000 |
| Lee, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 129,000 |
| Lincoln, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 264,000 |
| Marion, Kentucky | 1 | $ 405,000 | $ 405,000 | $ 62,000 |
| Robertson, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Taylor, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Washington, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 92,000 |
| Somerset, New Jersey | 1 | $ 585,000 | $ 585,000 | $ 525,000 |
| Chautauqua, New York | 1 | $ 175,000 | $ 175,000 | $ 427,000 |
| New York, New York | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 465,000 | $ 465,000 | $ 235,000 |
| Greene, Ohio | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| Beaufort, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Charleston, South Carolina | 1 | $ 835,000 | $ 835,000 | $ 890,000 |
| Yankton, South Dakota | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Shelby, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
| Williamson, Tennessee | 1 | $ 485,000 | $ 485,000 | $ 244,000 |
| James City, Virginia | 1 | $ 285,000 | $ 285,000 | $ 61,000 |
| Orange, Virginia | 1 | $ 405,000 | $ 405,000 | $ 438,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2019
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 | 1,011 | $234,320,000 | $232,000 | $4,285,000 | $147,000 | $3,018,000 |
| Refinancing | 578 | $115,550,000 | $199,000 | $1,575,000 | $162,000 | $3,121,000 |
| Other Purpose | 305 | $27,335,000 | $89,000 | $1,005,000 | $136,000 | $2,052,000 |
| Cash-out Refinancing | 177 | $40,795,000 | $230,000 | $555,000 | $118,000 | $531,000 |
| Home Improvement | 159 | $9,995,000 | $62,000 | $865,000 | $137,000 | $817,000 |
| 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 | 1,945 | $376,005,000 | $193,000 | $4,285,000 | $146,000 | $3,121,000 |
| Not Provided | 87 | $10,715,000 | $123,000 | $1,125,000 | $140,000 | $848,000 |
| Not applicable | 65 | $19,245,000 | $296,000 | $3,365,000 | $0 | $0 |
| Black or African American | 53 | $6,550,000 | $125,000 | $565,000 | $102,000 | $406,000 |
| Asian | 42 | $9,950,000 | $236,000 | $1,065,000 | $220,000 | $1,030,000 |
| Hispanic | 30 | $4,780,000 | $159,000 | $385,000 | $143,000 | $485,000 |
| American Indian or Alaskan Native | 2 | $100,000 | $50,000 | $65,000 | $124,000 | $153,000 |
| 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) | 2,051 | $393,710,000 | $192,000 | $4,285,000 | $152,000 | $3,121,000 |
| FHA-insured (Federal Housing Administration) | 85 | $13,915,000 | $163,000 | $325,000 | $71,000 | $469,000 |
| VA-guaranteed (Veterans Administration) | 53 | $14,445,000 | $272,000 | $705,000 | $96,000 | $284,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,925,000 | $144,000 | $255,000 | $51,000 | $79,000 |
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 | 1,809 | $357,575,000 | $197,000 | $4,285,000 | $152,000 | $3,121,000 |
| Application Denied By Financial Institution | 203 | $26,340,000 | $130,000 | $805,000 | $86,000 | $398,000 |
| Application Withdrawn By Applicant | 186 | $38,340,000 | $206,000 | $1,145,000 | $150,000 | $1,030,000 |
| Application Approved But Not Accepted | 30 | $5,030,000 | $167,000 | $1,015,000 | $150,000 | $650,000 |
| File Closed For Incompleteness | 1 | $365,000 | $365,000 | $365,000 | $267,000 | $267,000 |
| Loan Purchased By The Institution | 1 | $345,000 | $345,000 | $345,000 | $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 | 2,027 | $401,655,000 | $198,000 | $4,285,000 | $152,000 | $3,121,000 |
| Credit History | 78 | $6,950,000 | $89,000 | $375,000 | $94,000 | $348,000 |
| Debt-To-Income Ratio | 67 | $8,740,000 | $132,000 | $485,000 | $55,000 | $228,000 |
| Collateral | 18 | $3,800,000 | $211,000 | $805,000 | $114,000 | $389,000 |
| Credit Application Incomplete | 18 | $3,810,000 | $211,000 | $705,000 | $134,000 | $398,000 |
| Other | 12 | $2,020,000 | $168,000 | $355,000 | $88,000 | $195,000 |
| Employment History | 5 | $105,000 | $21,000 | $35,000 | $80,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $560,000 | $280,000 | $315,000 | $107,000 | $108,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $135,000 | $35,000 | $48,000 |
| Mortgage Insurance Denied | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2019 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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with aggregated HMDA statistics today.
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