Central Bank & Trust Co Mortgage Lending & HMDA Data, 2021
In 2021, Central Bank & Trust Co of Lexington, KY reported 3,273 mortgage applications totaling $827.9 million, up 13% from 2020. The average application was for $252,940, and applicants reported an average income of $167,764. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lexington-Fayette, KY (2,091), Cincinnati, OH-KY-IN (467) and Louisville/Jefferson County, KY-IN (326) (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 | 3,273 |
| Total Mortgage Loan Application Amount | $827,875,000 |
| Average Mortgage Loan Application Amount | $252,940 |
| Highest Mortgage Loan Application Amount | $50,435,000 |
| Average Applicant Income | $167,764 |
| Highest Applicant Income | $4,850,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,349 | $ 306,855,000 | $ 227,468 | $ 168,000 |
| Jessamine, Kentucky | 281 | $ 75,845,000 | $ 269,911 | $ 204,000 |
| Jefferson, Kentucky | 256 | $ 57,200,000 | $ 223,437 | $ 208,000 |
| Scott, Kentucky | 225 | $ 45,125,000 | $ 200,555 | $ 104,000 |
| Kenton, Kentucky | 202 | $ 50,980,000 | $ 252,376 | $ 193,000 |
| Madison, Kentucky | 150 | $ 28,860,000 | $ 192,400 | $ 98,000 |
| Clark, Kentucky | 149 | $ 19,015,000 | $ 127,617 | $ 85,000 |
| Boone, Kentucky | 141 | $ 30,545,000 | $ 216,631 | $ 140,000 |
| Woodford, Kentucky | 59 | $ 13,605,000 | $ 230,593 | $ 123,000 |
| Campbell, Kentucky | 45 | $ 10,125,000 | $ 225,000 | $ 193,000 |
| Hamilton, Ohio | 44 | $ 46,840,000 | $ 1,064,545 | $ 406,000 |
| Harrison, Kentucky | 39 | $ 6,285,000 | $ 161,153 | $ 75,000 |
| Bourbon, Kentucky | 28 | $ 6,580,000 | $ 235,000 | $ 129,000 |
| Oldham, Kentucky | 28 | $ 7,790,000 | $ 278,214 | $ 216,000 |
| Franklin, Kentucky | 21 | $ 3,625,000 | $ 172,619 | $ 105,000 |
| Garrard, Kentucky | 21 | $ 2,465,000 | $ 117,380 | $ 75,000 |
| Grant, Kentucky | 14 | $ 3,190,000 | $ 227,857 | $ 141,000 |
| Montgomery, Kentucky | 13 | $ 1,705,000 | $ 131,153 | $ 63,000 |
| Anderson, Kentucky | 11 | $ 1,575,000 | $ 143,181 | $ 88,000 |
| Floyd, Indiana | 10 | $ 2,260,000 | $ 226,000 | $ 242,000 |
| Bullitt, Kentucky | 10 | $ 1,540,000 | $ 154,000 | $ 90,000 |
| Mercer, Kentucky | 10 | $ 2,100,000 | $ 210,000 | $ 94,000 |
| Powell, Kentucky | 10 | $ 980,000 | $ 98,000 | $ 56,000 |
| Boyle, Kentucky | 9 | $ 1,525,000 | $ 169,444 | $ 113,000 |
| Shelby, Kentucky | 7 | $ 2,005,000 | $ 286,428 | $ 200,000 |
| Clermont, Ohio | 7 | $ 2,105,000 | $ 300,714 | $ 201,000 |
| Estill, Kentucky | 5 | $ 775,000 | $ 155,000 | $ 95,000 |
| Laurel, Kentucky | 5 | $ 935,000 | $ 187,000 | $ 89,000 |
| Mason, Kentucky | 5 | $ 765,000 | $ 153,000 | $ 98,000 |
| Nicholas, Kentucky | 5 | $ 665,000 | $ 133,000 | $ 56,000 |
| Spencer, Kentucky | 5 | $ 1,235,000 | $ 247,000 | $ 217,000 |
| Clark, Indiana | 4 | $ 320,000 | $ 80,000 | $ 112,000 |
| Harrison, Indiana | 4 | $ 1,280,000 | $ 320,000 | $ 171,000 |
| Bath, Kentucky | 4 | $ 410,000 | $ 102,500 | $ 73,000 |
| Lincoln, Kentucky | 4 | $ 380,000 | $ 95,000 | $ 68,000 |
| Owen, Kentucky | 4 | $ 720,000 | $ 180,000 | $ 108,000 |
| Butler, Ohio | 4 | $ 50,800,000 | $ 12,700,000 | $ 179,000 |
| Warren, Ohio | 4 | $ 650,000 | $ 162,500 | $ 211,000 |
| Miami-Dade, Florida | 3 | $ 6,655,000 | $ 2,218,333 | $ 3,493,000 |
| Dearborn, Indiana | 3 | $ 1,225,000 | $ 408,333 | $ 90,000 |
| Nelson, Kentucky | 3 | $ 645,000 | $ 215,000 | $ 260,000 |
| Pulaski, Kentucky | 3 | $ 675,000 | $ 225,000 | $ 361,000 |
| Rockcastle, Kentucky | 3 | $ 365,000 | $ 121,666 | $ 96,000 |
| Warren, Kentucky | 3 | $ 335,000 | $ 111,666 | $ 418,000 |
| Wayne, Kentucky | 3 | $ 975,000 | $ 325,000 | $ 349,000 |
| Montgomery, Ohio | 3 | $ 6,845,000 | $ 2,281,666 | $ 0 |
| Lee, Florida | 2 | $ 2,620,000 | $ 1,310,000 | $ 630,000 |
| Pinellas, Florida | 2 | $ 1,050,000 | $ 525,000 | $ 576,000 |
| Walton, Florida | 2 | $ 2,400,000 | $ 1,200,000 | $ 1,863,000 |
| Carroll, Kentucky | 2 | $ 890,000 | $ 445,000 | $ 92,000 |
| Gallatin, Kentucky | 2 | $ 560,000 | $ 280,000 | $ 138,000 |
| Henry, Kentucky | 2 | $ 280,000 | $ 140,000 | $ 172,000 |
| Jackson, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 24,000 |
| Menifee, Kentucky | 2 | $ 120,000 | $ 60,000 | $ 132,000 |
| Pike, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 69,000 |
| Russell, Kentucky | 2 | $ 250,000 | $ 125,000 | $ 356,000 |
| Union, North Carolina | 2 | $ 500,000 | $ 250,000 | $ 156,000 |
| Lawrence, Ohio | 2 | $ 400,000 | $ 200,000 | $ 192,000 |
| Sevier, Tennessee | 2 | $ 570,000 | $ 285,000 | $ 226,000 |
| Williamson, Tennessee | 2 | $ 460,000 | $ 230,000 | $ 167,000 |
| Charlotte, Florida | 1 | $ 285,000 | $ 285,000 | $ 288,000 |
| Manatee, Florida | 1 | $ 1,845,000 | $ 1,845,000 | $ 1,128,000 |
| Palm Beach, Florida | 1 | $ 905,000 | $ 905,000 | $ 237,000 |
| Fulton, Georgia | 1 | $ 415,000 | $ 415,000 | $ 350,000 |
| Madison, Illinois | 1 | $ 15,000 | $ 15,000 | $ 270,000 |
| Hamilton, Indiana | 1 | $ 275,000 | $ 275,000 | $ 157,000 |
| Johnson, Indiana | 1 | $ 405,000 | $ 405,000 | $ 109,000 |
| Daviess, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Fleming, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 94,000 |
| Grayson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Hardin, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
| Pendleton, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 195,000 |
| Robertson, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Rowan, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Simpson, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 107,000 |
| Trigg, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 128,000 |
| Norfolk, Massachusetts | 1 | $ 885,000 | $ 885,000 | $ 754,000 |
| Monroe, Michigan | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Olmsted, Minnesota | 1 | $ 365,000 | $ 365,000 | $ 175,000 |
| Brunswick, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Transylvania, North Carolina | 1 | $ 545,000 | $ 545,000 | $ 251,000 |
| Wake, North Carolina | 1 | $ 545,000 | $ 545,000 | $ 110,000 |
| Franklin, Ohio | 1 | $ 335,000 | $ 335,000 | $ 115,000 |
| Beaufort, South Carolina | 1 | $ 475,000 | $ 475,000 | $ 574,000 |
| York, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Davidson, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 158,000 |
| Jefferson, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 226,000 |
| Pickett, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 515,000 |
| Orange, Virginia | 1 | $ 515,000 | $ 515,000 | $ 528,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2021
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 | 1,412 | $315,020,000 | $223,000 | $2,405,000 | $174,000 | $4,850,000 |
| Home Purchase | 828 | $339,570,000 | $410,000 | $50,435,000 | $177,000 | $4,521,000 |
| Cash-out Refinancing | 474 | $114,150,000 | $240,000 | $755,000 | $122,000 | $915,000 |
| Other Purpose | 390 | $45,360,000 | $116,000 | $905,000 | $198,000 | $4,850,000 |
| Home Improvement | 169 | $13,775,000 | $81,000 | $605,000 | $129,000 | $771,000 |
| 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 | 2,802 | $634,800,000 | $226,000 | $2,805,000 | $169,000 | $4,850,000 |
| Not Provided | 177 | $24,285,000 | $137,000 | $735,000 | $160,000 | $1,717,000 |
| Black or African American | 99 | $21,535,000 | $217,000 | $5,005,000 | $178,000 | $3,240,000 |
| Not applicable | 88 | $122,430,000 | $1,391,000 | $50,435,000 | $0 | $0 |
| Asian | 68 | $18,300,000 | $269,000 | $965,000 | $167,000 | $599,000 |
| Hispanic | 31 | $5,115,000 | $165,000 | $355,000 | $88,000 | $325,000 |
| American Indian or Alaskan Native | 4 | $490,000 | $122,000 | $155,000 | $50,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $275,000 | $275,000 | $275,000 | $146,000 | $146,000 |
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) | 3,148 | $800,110,000 | $254,000 | $50,435,000 | $170,000 | $4,850,000 |
| VA-guaranteed (Veterans Administration) | 55 | $14,895,000 | $270,000 | $1,035,000 | $107,000 | $628,000 |
| FHA-insured (Federal Housing Administration) | 45 | $8,685,000 | $193,000 | $485,000 | $68,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $4,185,000 | $167,000 | $275,000 | $49,000 | $94,000 |
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 | 2,795 | $728,685,000 | $260,000 | $50,435,000 | $171,000 | $4,850,000 |
| Application Withdrawn By Applicant | 219 | $52,745,000 | $240,000 | $1,105,000 | $187,000 | $4,521,000 |
| Application Denied By Financial Institution | 205 | $30,425,000 | $148,000 | $2,325,000 | $90,000 | $1,087,000 |
| Application Approved But Not Accepted | 53 | $15,865,000 | $299,000 | $2,805,000 | $219,000 | $2,186,000 |
| Loan Purchased By The Institution | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 3,068 | $797,450,000 | $259,000 | $50,435,000 | $173,000 | $4,850,000 |
| Debt-To-Income Ratio | 58 | $10,750,000 | $185,000 | $2,325,000 | $60,000 | $349,000 |
| Credit Application Incomplete | 57 | $10,665,000 | $187,000 | $485,000 | $118,000 | $416,000 |
| Credit History | 52 | $4,350,000 | $83,000 | $505,000 | $67,000 | $218,000 |
| Collateral | 13 | $1,475,000 | $113,000 | $235,000 | $86,000 | $233,000 |
| Other | 11 | $1,035,000 | $94,000 | $165,000 | $141,000 | $561,000 |
| Unverifiable Information | 7 | $805,000 | $115,000 | $185,000 | $117,000 | $362,000 |
| Employment History | 6 | $950,000 | $158,000 | $515,000 | $218,000 | $1,087,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $395,000 | $395,000 | $395,000 | $93,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2021 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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