Central Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Central Bank & Trust Company 2019 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 | 2,230 |
| Total Mortgage Loan Application Amount | $427,995,000 |
| Average Mortgage Loan Application Amount | $162,400 |
| Highest Mortgage Loan Application Amount | $4,285,000 |
| Average Applicant Income | $140,000 |
| Highest Applicant Income | $3,121,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 888 | $ 165,490,000 | $ 186,000 | $ 142,000 |
| Jessamine County Kentucky | 195 | $ 41,325,000 | $ 211,000 | $ 156,000 |
| Jefferson County Kentucky | 165 | $ 40,140,000 | $ 244,000 | $ 196,000 |
| Scott County Kentucky | 162 | $ 24,720,000 | $ 152,000 | $ 107,000 |
| Madison County Kentucky | 128 | $ 18,860,000 | $ 147,000 | $ 89,000 |
| Kenton County Kentucky | 117 | $ 22,975,000 | $ 196,000 | $ 178,000 |
| Clark County Kentucky | 102 | $ 12,880,000 | $ 126,000 | $ 85,000 |
| Boone County Kentucky | 68 | $ 13,400,000 | $ 197,000 | $ 131,000 |
| Hamilton County Ohio | 39 | $ 13,945,000 | $ 357,000 | $ 286,000 |
| Harrison County Kentucky | 33 | $ 4,335,000 | $ 131,000 | $ 67,000 |
| Woodford County Kentucky | 30 | $ 5,410,000 | $ 180,000 | $ 123,000 |
| Oldham County Kentucky | 27 | $ 6,995,000 | $ 259,000 | $ 204,000 |
| Campbell County Kentucky | 25 | $ 4,415,000 | $ 176,000 | $ 152,000 |
| Garrard County Kentucky | 24 | $ 3,090,000 | $ 128,000 | $ 121,000 |
| Franklin County Kentucky | 15 | $ 3,615,000 | $ 241,000 | $ 89,000 |
| Montgomery County Kentucky | 15 | $ 1,785,000 | $ 119,000 | $ 69,000 |
| Anderson County Kentucky | 14 | $ 2,370,000 | $ 169,000 | $ 86,000 |
| Mercer County Kentucky | 14 | $ 1,460,000 | $ 104,000 | $ 90,000 |
| Powell County Kentucky | 14 | $ 1,740,000 | $ 124,000 | $ 82,000 |
| Bourbon County Kentucky | 13 | $ 2,655,000 | $ 204,000 | $ 162,000 |
| Boyle County Kentucky | 7 | $ 915,000 | $ 130,000 | $ 97,000 |
| Bullitt County Kentucky | 6 | $ 410,000 | $ 68,000 | $ 119,000 |
| Shelby County Kentucky | 6 | $ 1,980,000 | $ 330,000 | $ 242,000 |
| Lee County Florida | 5 | $ 1,985,000 | $ 397,000 | $ 380,000 |
| Floyd County Indiana | 5 | $ 505,000 | $ 101,000 | $ 112,000 |
| Warren County Ohio | 5 | $ 1,225,000 | $ 245,000 | $ 369,000 |
| Manatee County Florida | 4 | $ 830,000 | $ 207,000 | $ 162,000 |
| Clark County Indiana | 4 | $ 480,000 | $ 120,000 | $ 178,000 |
| Bath County Kentucky | 4 | $ 220,000 | $ 55,000 | $ 60,000 |
| Pulaski County Kentucky | 4 | $ 230,000 | $ 57,000 | $ 111,000 |
| Davidson County Tennessee | 4 | $ 1,140,000 | $ 285,000 | $ 412,000 |
| Collier County Florida | 3 | $ 6,615,000 | $ 2,205,000 | $ 1,775,000 |
| Estill County Kentucky | 3 | $ 195,000 | $ 65,000 | $ 61,000 |
| Gallatin County Kentucky | 3 | $ 365,000 | $ 121,000 | $ 77,000 |
| Rowan County Kentucky | 3 | $ 405,000 | $ 135,000 | $ 60,000 |
| Spencer County Kentucky | 3 | $ 835,000 | $ 278,000 | $ 94,000 |
| Montgomery County Ohio | 3 | $ 2,475,000 | $ 825,000 | $ 0 |
| Scott County Indiana | 2 | $ 70,000 | $ 35,000 | $ 95,000 |
| Boyd County Kentucky | 2 | $ 120,000 | $ 60,000 | $ 55,000 |
| Daviess County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 25,000 |
| Henry County Kentucky | 2 | $ 580,000 | $ 290,000 | $ 134,000 |
| Laurel County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 275,000 |
| Meade County Kentucky | 2 | $ 300,000 | $ 150,000 | $ 123,000 |
| Nelson County Kentucky | 2 | $ 550,000 | $ 275,000 | $ 101,000 |
| Owen County Kentucky | 2 | $ 220,000 | $ 110,000 | $ 36,000 |
| Perry County Kentucky | 2 | $ 690,000 | $ 345,000 | $ 188,000 |
| Rockcastle County Kentucky | 2 | $ 160,000 | $ 80,000 | $ 50,000 |
| Russell County Kentucky | 2 | $ 360,000 | $ 180,000 | $ 291,000 |
| Warren County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 127,000 |
| Wayne County Kentucky | 2 | $ 780,000 | $ 390,000 | $ 465,000 |
| Clermont County Ohio | 2 | $ 500,000 | $ 250,000 | $ 329,000 |
| Aiken County South Carolina | 2 | $ 410,000 | $ 205,000 | $ 78,000 |
| Sevier County Tennessee | 2 | $ 420,000 | $ 210,000 | $ 320,000 |
| Jefferson County Alabama | 1 | $ 205,000 | $ 205,000 | $ 469,000 |
| Ventura County California | 1 | $ 485,000 | $ 485,000 | $ 90,000 |
| Alachua County Florida | 1 | $ 185,000 | $ 185,000 | $ 710,000 |
| Escambia County Florida | 1 | $ 175,000 | $ 175,000 | $ 1,683,000 |
| Franklin County Florida | 1 | $ 345,000 | $ 345,000 | $ 172,000 |
| Pinellas County Florida | 1 | $ 635,000 | $ 635,000 | $ 236,000 |
| Sarasota County Florida | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| St. Lucie County Florida | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Baldwin County Georgia | 1 | $ 325,000 | $ 325,000 | $ 62,000 |
| Dearborn County Indiana | 1 | $ 5,000 | $ 5,000 | $ 45,000 |
| Hamilton County Indiana | 1 | $ 285,000 | $ 285,000 | $ 154,000 |
| Jefferson County Indiana | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Warrick County Indiana | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Breckinridge County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 152,000 |
| Carroll County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Carter County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Grant County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Graves County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Grayson County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Johnson County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 115,000 |
| Lee County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 129,000 |
| Lincoln County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 264,000 |
| Marion County Kentucky | 1 | $ 405,000 | $ 405,000 | $ 62,000 |
| Robertson County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Taylor County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Washington County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 92,000 |
| Somerset County New Jersey | 1 | $ 585,000 | $ 585,000 | $ 525,000 |
| Chautauqua County New York | 1 | $ 175,000 | $ 175,000 | $ 427,000 |
| New York County New York | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 235,000 |
| Greene County Ohio | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| Beaufort County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Charleston County South Carolina | 1 | $ 835,000 | $ 835,000 | $ 890,000 |
| Yankton County South Dakota | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Shelby County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
| Williamson County Tennessee | 1 | $ 485,000 | $ 485,000 | $ 244,000 |
| James City County Virginia | 1 | $ 285,000 | $ 285,000 | $ 61,000 |
| Orange County Virginia | 1 | $ 405,000 | $ 405,000 | $ 438,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Company 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 Company'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 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.
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with aggregated HMDA statistics today.