Central Bank & Trust Co Mortgage Lending & HMDA Data, 2020
In 2020, Central Bank & Trust Co of Lexington, KY reported 2,888 mortgage applications totaling $642.0 million, up 30% from 2019. The average application was for $222,313, and applicants reported an average income of $164,222. 83% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lexington-Fayette, KY (1,852), Cincinnati, OH-KY-IN (337) and Louisville/Jefferson County, KY-IN (265) (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 | 2,888 |
| Total Mortgage Loan Application Amount | $642,040,000 |
| Average Mortgage Loan Application Amount | $222,313 |
| Highest Mortgage Loan Application Amount | $6,985,000 |
| Average Applicant Income | $164,222 |
| Highest Applicant Income | $5,839,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,194 | $ 272,720,000 | $ 228,408 | $ 174,000 |
| Jessamine, Kentucky | 260 | $ 62,370,000 | $ 239,884 | $ 151,000 |
| Scott, Kentucky | 239 | $ 43,175,000 | $ 180,648 | $ 104,000 |
| Jefferson, Kentucky | 215 | $ 53,945,000 | $ 250,906 | $ 190,000 |
| Madison, Kentucky | 156 | $ 27,320,000 | $ 175,128 | $ 99,000 |
| Kenton, Kentucky | 138 | $ 31,490,000 | $ 228,188 | $ 257,000 |
| Boone, Kentucky | 110 | $ 24,540,000 | $ 223,090 | $ 182,000 |
| Clark, Kentucky | 95 | $ 12,765,000 | $ 134,368 | $ 85,000 |
| Harrison, Kentucky | 45 | $ 6,355,000 | $ 141,222 | $ 80,000 |
| Woodford, Kentucky | 45 | $ 11,065,000 | $ 245,888 | $ 136,000 |
| Hamilton, Ohio | 40 | $ 13,930,000 | $ 348,250 | $ 273,000 |
| Garrard, Kentucky | 31 | $ 4,385,000 | $ 141,451 | $ 89,000 |
| Campbell, Kentucky | 25 | $ 5,835,000 | $ 233,400 | $ 145,000 |
| Oldham, Kentucky | 25 | $ 6,225,000 | $ 249,000 | $ 246,000 |
| Bourbon, Kentucky | 19 | $ 2,635,000 | $ 138,684 | $ 89,000 |
| Franklin, Kentucky | 17 | $ 3,195,000 | $ 187,941 | $ 110,000 |
| Montgomery, Kentucky | 17 | $ 1,695,000 | $ 99,705 | $ 61,000 |
| Anderson, Kentucky | 15 | $ 2,855,000 | $ 190,333 | $ 92,000 |
| Mercer, Kentucky | 13 | $ 1,785,000 | $ 137,307 | $ 116,000 |
| Boyle, Kentucky | 12 | $ 3,080,000 | $ 256,666 | $ 167,000 |
| Grant, Kentucky | 12 | $ 4,820,000 | $ 401,666 | $ 218,000 |
| Powell, Kentucky | 9 | $ 775,000 | $ 86,111 | $ 55,000 |
| Nicholas, Kentucky | 7 | $ 785,000 | $ 112,142 | $ 129,000 |
| Shelby, Kentucky | 7 | $ 2,275,000 | $ 325,000 | $ 277,000 |
| Floyd, Indiana | 6 | $ 2,670,000 | $ 445,000 | $ 280,000 |
| Estill, Kentucky | 6 | $ 760,000 | $ 126,666 | $ 58,000 |
| Bullitt, Kentucky | 5 | $ 895,000 | $ 179,000 | $ 75,000 |
| Lincoln, Kentucky | 5 | $ 615,000 | $ 123,000 | $ 69,000 |
| Washington, Kentucky | 5 | $ 605,000 | $ 121,000 | $ 122,000 |
| Clermont, Ohio | 5 | $ 1,395,000 | $ 279,000 | $ 149,000 |
| Clark, Indiana | 4 | $ 350,000 | $ 87,500 | $ 164,000 |
| Rockcastle, Kentucky | 4 | $ 340,000 | $ 85,000 | $ 40,000 |
| Mason, Kentucky | 3 | $ 235,000 | $ 78,333 | $ 61,000 |
| Nelson, Kentucky | 3 | $ 685,000 | $ 228,333 | $ 115,000 |
| Pulaski, Kentucky | 3 | $ 555,000 | $ 185,000 | $ 210,000 |
| Spencer, Kentucky | 3 | $ 495,000 | $ 165,000 | $ 175,000 |
| Warren, Kentucky | 3 | $ 1,045,000 | $ 348,333 | $ 359,000 |
| Jefferson, Tennessee | 3 | $ 1,485,000 | $ 495,000 | $ 456,000 |
| Charlotte, Florida | 2 | $ 380,000 | $ 190,000 | $ 324,000 |
| Lee, Florida | 2 | $ 920,000 | $ 460,000 | $ 318,000 |
| Manatee, Florida | 2 | $ 380,000 | $ 190,000 | $ 132,000 |
| Marion, Florida | 2 | $ 180,000 | $ 90,000 | $ 66,000 |
| Montgomery, Indiana | 2 | $ 380,000 | $ 190,000 | $ 50,000 |
| Bath, Kentucky | 2 | $ 120,000 | $ 60,000 | $ 71,000 |
| Caldwell, Kentucky | 2 | $ 470,000 | $ 235,000 | $ 277,000 |
| Jackson, Kentucky | 2 | $ 80,000 | $ 40,000 | $ 43,000 |
| Laurel, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 453,000 |
| Muhlenberg, Kentucky | 2 | $ 510,000 | $ 255,000 | $ 106,000 |
| Owen, Kentucky | 2 | $ 470,000 | $ 235,000 | $ 229,000 |
| Pendleton, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 53,000 |
| Taylor, Kentucky | 2 | $ 480,000 | $ 240,000 | $ 76,000 |
| Trimble, Kentucky | 2 | $ 190,000 | $ 95,000 | $ 125,000 |
| Wayne, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 191,000 |
| Oakland, Michigan | 2 | $ 630,000 | $ 315,000 | $ 121,000 |
| Mecklenburg, North Carolina | 2 | $ 520,000 | $ 260,000 | $ 138,000 |
| Lawrence, Ohio | 2 | $ 280,000 | $ 140,000 | $ 58,000 |
| Warren, Ohio | 2 | $ 830,000 | $ 415,000 | $ 507,000 |
| Beaufort, South Carolina | 2 | $ 730,000 | $ 365,000 | $ 316,000 |
| York, South Carolina | 2 | $ 1,010,000 | $ 505,000 | $ 195,000 |
| Campbell, Tennessee | 2 | $ 720,000 | $ 360,000 | $ 530,000 |
| Santa Clara, California | 1 | $ 5,000 | $ 5,000 | $ 125,000 |
| Routt, Colorado | 1 | $ 725,000 | $ 725,000 | $ 536,000 |
| Bay, Florida | 1 | $ 225,000 | $ 225,000 | $ 412,000 |
| Collier, Florida | 1 | $ 515,000 | $ 515,000 | $ 320,000 |
| Hillsborough, Florida | 1 | $ 255,000 | $ 255,000 | $ 3,430,000 |
| Miami-Dade, Florida | 1 | $ 1,025,000 | $ 1,025,000 | $ 3,583,000 |
| Sarasota, Florida | 1 | $ 145,000 | $ 145,000 | $ 225,000 |
| St. Johns, Florida | 1 | $ 515,000 | $ 515,000 | $ 613,000 |
| Baldwin, Georgia | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Glynn, Georgia | 1 | $ 915,000 | $ 915,000 | $ 747,000 |
| McHenry, Illinois | 1 | $ 175,000 | $ 175,000 | $ 317,000 |
| Marion, Indiana | 1 | $ 305,000 | $ 305,000 | $ 223,000 |
| Ripley, Indiana | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Adair, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Barren, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 571,000 |
| Bracken, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Carter, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Fleming, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Gallatin, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Graves, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Hardin, Kentucky | 1 | $ 435,000 | $ 435,000 | $ 145,000 |
| Hart, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 403,000 |
| Lee, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Lyon, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 427,000 |
| Marion, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Perry, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Rowan, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Russell, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 111,000 |
| Whitley, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Wolfe, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Ray, Missouri | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Brunswick, North Carolina | 1 | $ 1,075,000 | $ 1,075,000 | $ 1,121,000 |
| Rowan, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Butler, Ohio | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Lucas, Ohio | 1 | $ 6,985,000 | $ 6,985,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 445,000 | $ 445,000 | $ 130,000 |
| Pickett, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 188,000 |
| Williamson, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 142,000 |
| Tucker, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,074 | $278,220,000 | $259,000 | $4,705,000 | $187,000 | $3,430,000 |
| Home Purchase | 1,013 | $248,835,000 | $245,000 | $6,985,000 | $138,000 | $3,583,000 |
| Other Purpose | 342 | $33,190,000 | $97,000 | $755,000 | $208,000 | $5,839,000 |
| Cash-out Refinancing | 302 | $70,850,000 | $234,000 | $515,000 | $129,000 | $742,000 |
| Home Improvement | 157 | $10,945,000 | $69,000 | $725,000 | $150,000 | $1,384,000 |
| 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 | 2,438 | $542,290,000 | $222,000 | $2,755,000 | $164,000 | $5,839,000 |
| Not Provided | 180 | $21,350,000 | $118,000 | $565,000 | $153,000 | $3,430,000 |
| Not applicable | 83 | $38,605,000 | $465,000 | $6,985,000 | $0 | $0 |
| Black or African American | 74 | $12,320,000 | $166,000 | $1,025,000 | $188,000 | $3,583,000 |
| Asian | 65 | $18,115,000 | $278,000 | $1,005,000 | $229,000 | $850,000 |
| Hispanic | 38 | $6,450,000 | $169,000 | $515,000 | $123,000 | $622,000 |
| American Indian or Alaskan Native | 2 | $190,000 | $95,000 | $145,000 | $62,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $22,000 | $22,000 |
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) | 2,768 | $619,320,000 | $223,000 | $6,985,000 | $169,000 | $5,839,000 |
| FHA-insured (Federal Housing Administration) | 50 | $8,170,000 | $163,000 | $295,000 | $68,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $5,795,000 | $148,000 | $245,000 | $46,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 31 | $8,755,000 | $282,000 | $555,000 | $105,000 | $281,000 |
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 | 2,397 | $546,035,000 | $227,000 | $6,985,000 | $172,000 | $5,839,000 |
| Application Withdrawn By Applicant | 264 | $57,500,000 | $217,000 | $995,000 | $151,000 | $1,384,000 |
| Application Denied By Financial Institution | 183 | $26,345,000 | $143,000 | $1,175,000 | $92,000 | $742,000 |
| Application Approved But Not Accepted | 40 | $9,370,000 | $234,000 | $1,325,000 | $140,000 | $500,000 |
| Loan Purchased By The Institution | 3 | $2,685,000 | $895,000 | $2,205,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $32,000 | $32,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,705 | $615,695,000 | $227,000 | $6,985,000 | $170,000 | $5,839,000 |
| Debt-To-Income Ratio | 58 | $8,720,000 | $150,000 | $1,175,000 | $65,000 | $742,000 |
| Credit History | 47 | $3,975,000 | $84,000 | $425,000 | $80,000 | $343,000 |
| Credit Application Incomplete | 31 | $4,235,000 | $136,000 | $435,000 | $103,000 | $505,000 |
| Collateral | 16 | $2,470,000 | $154,000 | $505,000 | $122,000 | $600,000 |
| Other | 14 | $3,170,000 | $226,000 | $1,005,000 | $110,000 | $453,000 |
| Unverifiable Information | 8 | $910,000 | $113,000 | $515,000 | $112,000 | $398,000 |
| Employment History | 7 | $1,975,000 | $282,000 | $505,000 | $219,000 | $560,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $890,000 | $445,000 | $705,000 | $182,000 | $289,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2020 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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