Central Bank & Trust Company
Mortgage Loan Application
Totals and Details
for 2020
Find mortgage loan statistics, lending data, and loan application totals for Kentucky.
The mortgage statistics and data below are specific to mortgage loan applications for Central Bank & Trust Company.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2021.
| 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 | 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 | $180,800 |
| Highest Mortgage Loan Application Amount | $6,985,000 |
| Average Applicant Income | $162,400 |
| Highest Applicant Income | $5,839,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in KY, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| 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 | 1,194 | $ 272,720,000 | $ 228,000 | $ 174,000 |
| Jessamine County Kentucky | 260 | $ 62,370,000 | $ 239,000 | $ 151,000 |
| Scott County Kentucky | 239 | $ 43,175,000 | $ 180,000 | $ 104,000 |
| Jefferson County Kentucky | 215 | $ 53,945,000 | $ 250,000 | $ 190,000 |
| Madison County Kentucky | 156 | $ 27,320,000 | $ 175,000 | $ 99,000 |
| Kenton County Kentucky | 138 | $ 31,490,000 | $ 228,000 | $ 257,000 |
| Boone County Kentucky | 110 | $ 24,540,000 | $ 223,000 | $ 182,000 |
| Clark County Kentucky | 95 | $ 12,765,000 | $ 134,000 | $ 85,000 |
| Harrison County Kentucky | 45 | $ 6,355,000 | $ 141,000 | $ 80,000 |
| Woodford County Kentucky | 45 | $ 11,065,000 | $ 245,000 | $ 136,000 |
| Hamilton County Ohio | 40 | $ 13,930,000 | $ 348,000 | $ 273,000 |
| Garrard County Kentucky | 31 | $ 4,385,000 | $ 141,000 | $ 89,000 |
| Campbell County Kentucky | 25 | $ 5,835,000 | $ 233,000 | $ 145,000 |
| Oldham County Kentucky | 25 | $ 6,225,000 | $ 249,000 | $ 246,000 |
| Bourbon County Kentucky | 19 | $ 2,635,000 | $ 138,000 | $ 89,000 |
| Franklin County Kentucky | 17 | $ 3,195,000 | $ 187,000 | $ 110,000 |
| Montgomery County Kentucky | 17 | $ 1,695,000 | $ 99,000 | $ 61,000 |
| Anderson County Kentucky | 15 | $ 2,855,000 | $ 190,000 | $ 92,000 |
| Mercer County Kentucky | 13 | $ 1,785,000 | $ 137,000 | $ 116,000 |
| Boyle County Kentucky | 12 | $ 3,080,000 | $ 256,000 | $ 167,000 |
| Grant County Kentucky | 12 | $ 4,820,000 | $ 401,000 | $ 218,000 |
| Powell County Kentucky | 9 | $ 775,000 | $ 86,000 | $ 55,000 |
| Nicholas County Kentucky | 7 | $ 785,000 | $ 112,000 | $ 129,000 |
| Shelby County Kentucky | 7 | $ 2,275,000 | $ 325,000 | $ 277,000 |
| Floyd County Indiana | 6 | $ 2,670,000 | $ 445,000 | $ 280,000 |
| Estill County Kentucky | 6 | $ 760,000 | $ 126,000 | $ 58,000 |
| Bullitt County Kentucky | 5 | $ 895,000 | $ 179,000 | $ 75,000 |
| Lincoln County Kentucky | 5 | $ 615,000 | $ 123,000 | $ 69,000 |
| Washington County Kentucky | 5 | $ 605,000 | $ 121,000 | $ 122,000 |
| Clermont County Ohio | 5 | $ 1,395,000 | $ 279,000 | $ 149,000 |
| Clark County Indiana | 4 | $ 350,000 | $ 87,000 | $ 164,000 |
| Rockcastle County Kentucky | 4 | $ 340,000 | $ 85,000 | $ 40,000 |
| Mason County Kentucky | 3 | $ 235,000 | $ 78,000 | $ 61,000 |
| Nelson County Kentucky | 3 | $ 685,000 | $ 228,000 | $ 115,000 |
| Pulaski County Kentucky | 3 | $ 555,000 | $ 185,000 | $ 210,000 |
| Spencer County Kentucky | 3 | $ 495,000 | $ 165,000 | $ 175,000 |
| Warren County Kentucky | 3 | $ 1,045,000 | $ 348,000 | $ 359,000 |
| Jefferson County Tennessee | 3 | $ 1,485,000 | $ 495,000 | $ 456,000 |
| Charlotte County Florida | 2 | $ 380,000 | $ 190,000 | $ 324,000 |
| Lee County Florida | 2 | $ 920,000 | $ 460,000 | $ 318,000 |
| Manatee County Florida | 2 | $ 380,000 | $ 190,000 | $ 132,000 |
| Marion County Florida | 2 | $ 180,000 | $ 90,000 | $ 66,000 |
| Montgomery County Indiana | 2 | $ 380,000 | $ 190,000 | $ 50,000 |
| Bath County Kentucky | 2 | $ 120,000 | $ 60,000 | $ 71,000 |
| Caldwell County Kentucky | 2 | $ 470,000 | $ 235,000 | $ 277,000 |
| Jackson County Kentucky | 2 | $ 80,000 | $ 40,000 | $ 43,000 |
| Laurel County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 453,000 |
| Muhlenberg County Kentucky | 2 | $ 510,000 | $ 255,000 | $ 106,000 |
| Owen County Kentucky | 2 | $ 470,000 | $ 235,000 | $ 229,000 |
| Pendleton County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 53,000 |
| Taylor County Kentucky | 2 | $ 480,000 | $ 240,000 | $ 76,000 |
| Trimble County Kentucky | 2 | $ 190,000 | $ 95,000 | $ 125,000 |
| Wayne County Kentucky | 2 | $ 260,000 | $ 130,000 | $ 191,000 |
| Oakland County Michigan | 2 | $ 630,000 | $ 315,000 | $ 121,000 |
| Mecklenburg County North Carolina | 2 | $ 520,000 | $ 260,000 | $ 138,000 |
| Lawrence County Ohio | 2 | $ 280,000 | $ 140,000 | $ 58,000 |
| Warren County Ohio | 2 | $ 830,000 | $ 415,000 | $ 507,000 |
| Beaufort County South Carolina | 2 | $ 730,000 | $ 365,000 | $ 316,000 |
| York County South Carolina | 2 | $ 1,010,000 | $ 505,000 | $ 195,000 |
| Campbell County Tennessee | 2 | $ 720,000 | $ 360,000 | $ 530,000 |
| Santa Clara County California | 1 | $ 5,000 | $ 5,000 | $ 125,000 |
| Routt County Colorado | 1 | $ 725,000 | $ 725,000 | $ 536,000 |
| Bay County Florida | 1 | $ 225,000 | $ 225,000 | $ 412,000 |
| Collier County Florida | 1 | $ 515,000 | $ 515,000 | $ 320,000 |
| Hillsborough County Florida | 1 | $ 255,000 | $ 255,000 | $ 3,430,000 |
| Miami-Dade County Florida | 1 | $ 1,025,000 | $ 1,025,000 | $ 3,583,000 |
| Sarasota County Florida | 1 | $ 145,000 | $ 145,000 | $ 225,000 |
| St. Johns County Florida | 1 | $ 515,000 | $ 515,000 | $ 613,000 |
| Baldwin County Georgia | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Glynn County Georgia | 1 | $ 915,000 | $ 915,000 | $ 747,000 |
| McHenry County Illinois | 1 | $ 175,000 | $ 175,000 | $ 317,000 |
| Marion County Indiana | 1 | $ 305,000 | $ 305,000 | $ 223,000 |
| Ripley County Indiana | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Adair County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Barren County Kentucky | 1 | $ 395,000 | $ 395,000 | $ 571,000 |
| Bracken County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Carter County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Fleming County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Gallatin County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Graves County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Hardin County Kentucky | 1 | $ 435,000 | $ 435,000 | $ 145,000 |
| Hart County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 403,000 |
| Lee County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Lyon County Kentucky | 1 | $ 395,000 | $ 395,000 | $ 427,000 |
| Marion County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Perry County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Rowan County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Russell County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 111,000 |
| Whitley County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Wolfe County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Ray County Missouri | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Brunswick County North Carolina | 1 | $ 1,075,000 | $ 1,075,000 | $ 1,121,000 |
| Rowan County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Butler County Ohio | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Lucas County Ohio | 1 | $ 6,985,000 | $ 6,985,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 445,000 | $ 445,000 | $ 130,000 |
| Pickett County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 188,000 |
| Williamson County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 142,000 |
| Tucker County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 141,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of Kentucky,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Central Bank & Trust Company 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 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in KY, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in Kentucky, and search similar information at your convenience.