Central Bank & Trust Co Mortgage Lending & HMDA Data, 2022
In 2022, Central Bank & Trust Co of Lexington, KY reported 1,687 mortgage applications totaling $411.2 million, down 48% from 2021. The average application was for $243,737, and applicants reported an average income of $173,509. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lexington-Fayette, KY (990), Louisville/Jefferson County, KY-IN (241) and Cincinnati, OH-KY-IN (167) (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 | 1,687 |
| Total Mortgage Loan Application Amount | $411,185,000 |
| Average Mortgage Loan Application Amount | $243,737 |
| Highest Mortgage Loan Application Amount | $31,005,000 |
| Average Applicant Income | $173,509 |
| Highest Applicant Income | $2,902,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 618 | $ 121,950,000 | $ 197,330 | $ 179,000 |
| Jefferson, Kentucky | 181 | $ 32,135,000 | $ 177,541 | $ 186,000 |
| Jessamine, Kentucky | 125 | $ 29,325,000 | $ 234,600 | $ 214,000 |
| Madison, Kentucky | 119 | $ 25,995,000 | $ 218,445 | $ 127,000 |
| Scott, Kentucky | 109 | $ 20,395,000 | $ 187,110 | $ 122,000 |
| Clark, Kentucky | 99 | $ 12,085,000 | $ 122,070 | $ 91,000 |
| Kenton, Kentucky | 67 | $ 14,105,000 | $ 210,522 | $ 271,000 |
| Boone, Kentucky | 47 | $ 8,735,000 | $ 185,851 | $ 167,000 |
| Hamilton, Ohio | 29 | $ 26,375,000 | $ 909,482 | $ 353,000 |
| Oldham, Kentucky | 24 | $ 5,100,000 | $ 212,500 | $ 220,000 |
| Woodford, Kentucky | 23 | $ 3,605,000 | $ 156,739 | $ 138,000 |
| Harrison, Kentucky | 20 | $ 3,000,000 | $ 150,000 | $ 97,000 |
| Garrard, Kentucky | 17 | $ 1,445,000 | $ 85,000 | $ 76,000 |
| Bourbon, Kentucky | 16 | $ 3,150,000 | $ 196,875 | $ 170,000 |
| Mercer, Kentucky | 14 | $ 2,550,000 | $ 182,142 | $ 166,000 |
| Clark, Indiana | 12 | $ 1,350,000 | $ 112,500 | $ 136,000 |
| Campbell, Kentucky | 12 | $ 33,720,000 | $ 2,810,000 | $ 260,000 |
| Franklin, Kentucky | 10 | $ 2,220,000 | $ 222,000 | $ 185,000 |
| Boyle, Kentucky | 9 | $ 1,495,000 | $ 166,111 | $ 84,000 |
| Powell, Kentucky | 9 | $ 705,000 | $ 78,333 | $ 99,000 |
| Shelby, Kentucky | 9 | $ 2,195,000 | $ 243,888 | $ 188,000 |
| Anderson, Kentucky | 8 | $ 1,170,000 | $ 146,250 | $ 107,000 |
| Bullitt, Kentucky | 8 | $ 920,000 | $ 115,000 | $ 147,000 |
| Estill, Kentucky | 8 | $ 740,000 | $ 92,500 | $ 59,000 |
| Montgomery, Kentucky | 6 | $ 1,370,000 | $ 228,333 | $ 105,000 |
| Grant, Kentucky | 5 | $ 1,365,000 | $ 273,000 | $ 186,000 |
| Lincoln, Kentucky | 5 | $ 1,205,000 | $ 241,000 | $ 140,000 |
| Manatee, Florida | 3 | $ 1,145,000 | $ 381,666 | $ 492,000 |
| Floyd, Indiana | 3 | $ 265,000 | $ 88,333 | $ 118,000 |
| Bath, Kentucky | 3 | $ 445,000 | $ 148,333 | $ 49,000 |
| Daviess, Kentucky | 3 | $ 935,000 | $ 311,666 | $ 133,000 |
| Nelson, Kentucky | 3 | $ 675,000 | $ 225,000 | $ 136,000 |
| Owen, Kentucky | 3 | $ 695,000 | $ 231,666 | $ 155,000 |
| Baldwin, Alabama | 2 | $ 590,000 | $ 295,000 | $ 203,000 |
| Henry, Kentucky | 2 | $ 780,000 | $ 390,000 | $ 241,000 |
| Lee, Kentucky | 2 | $ 140,000 | $ 70,000 | $ 44,000 |
| Menifee, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 60,000 |
| Pendleton, Kentucky | 2 | $ 310,000 | $ 155,000 | $ 68,000 |
| Pulaski, Kentucky | 2 | $ 350,000 | $ 175,000 | $ 35,000 |
| Clermont, Ohio | 2 | $ 190,000 | $ 95,000 | $ 339,000 |
| Lucas, Ohio | 2 | $ 10,330,000 | $ 5,165,000 | $ 0 |
| Montgomery, Ohio | 2 | $ 12,950,000 | $ 6,475,000 | $ 0 |
| Campbell, Tennessee | 2 | $ 660,000 | $ 330,000 | $ 269,000 |
| Davidson, Tennessee | 2 | $ 300,000 | $ 150,000 | $ 273,000 |
| Brevard, Florida | 1 | $ 305,000 | $ 305,000 | $ 216,000 |
| Flagler, Florida | 1 | $ 535,000 | $ 535,000 | $ 126,000 |
| Marion, Florida | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Osceola, Florida | 1 | $ 315,000 | $ 315,000 | $ 525,000 |
| Santa Rosa, Florida | 1 | $ 305,000 | $ 305,000 | $ 158,000 |
| Walton, Florida | 1 | $ 435,000 | $ 435,000 | $ 235,000 |
| Bryan, Georgia | 1 | $ 285,000 | $ 285,000 | $ 106,000 |
| Harrison, Indiana | 1 | $ 975,000 | $ 975,000 | $ 249,000 |
| Posey, Indiana | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Barren, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Bracken, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 116,000 |
| Edmonson, Kentucky | 1 | $ 585,000 | $ 585,000 | $ 252,000 |
| Floyd, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Gallatin, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Grayson, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Greenup, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 131,000 |
| Hardin, Kentucky | 1 | $ 425,000 | $ 425,000 | $ 144,000 |
| Jackson, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Lawrence, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Livingston, Kentucky | 1 | $ 1,105,000 | $ 1,105,000 | $ 2,242,000 |
| Mason, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 143,000 |
| Meade, Kentucky | 1 | $ 415,000 | $ 415,000 | $ 308,000 |
| Nicholas, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 154,000 |
| Pike, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 290,000 |
| Rockcastle, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Rowan, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 117,000 |
| Spencer, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Trigg, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Warren, Kentucky | 1 | $ 335,000 | $ 335,000 | $ 78,000 |
| Montgomery, Maryland | 1 | $ 2,605,000 | $ 2,605,000 | $ 1,280,000 |
| Allegan, Michigan | 1 | $ 15,000 | $ 15,000 | $ 600,000 |
| Carteret, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Mecklenburg, North Carolina | 1 | $ 2,685,000 | $ 2,685,000 | $ 1,434,000 |
| Athens, Ohio | 1 | $ 6,675,000 | $ 6,675,000 | $ 0 |
| Highland, Ohio | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Warren, Ohio | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 505,000 | $ 505,000 | $ 143,000 |
| Pocahontas, West Virginia | 1 | $ 215,000 | $ 215,000 | $ 460,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2022
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 | 596 | $221,870,000 | $372,000 | $31,005,000 | $193,000 | $2,902,000 |
| Refinancing | 423 | $106,325,000 | $251,000 | $12,625,000 | $173,000 | $959,000 |
| Other Purpose | 404 | $49,220,000 | $121,000 | $2,685,000 | $166,000 | $2,331,000 |
| Home Improvement | 192 | $17,420,000 | $90,000 | $505,000 | $147,000 | $808,000 |
| Cash-out Refinancing | 72 | $16,350,000 | $227,000 | $605,000 | $128,000 | $816,000 |
| 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 | 1,339 | $264,175,000 | $197,000 | $3,205,000 | $176,000 | $2,902,000 |
| Not Provided | 151 | $20,955,000 | $138,000 | $1,575,000 | $145,000 | $801,000 |
| Not applicable | 108 | $106,950,000 | $990,000 | $31,005,000 | $0 | $0 |
| Black or African American | 46 | $10,180,000 | $221,000 | $2,685,000 | $183,000 | $1,434,000 |
| Asian | 21 | $5,905,000 | $281,000 | $1,065,000 | $213,000 | $578,000 |
| Hispanic | 15 | $2,025,000 | $135,000 | $365,000 | $102,000 | $375,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $73,000 | $73,000 |
| 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) | 1,628 | $399,120,000 | $245,000 | $31,005,000 | $177,000 | $2,902,000 |
| FHA-insured (Federal Housing Administration) | 36 | $7,320,000 | $203,000 | $425,000 | $69,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,410,000 | $172,000 | $325,000 | $60,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,335,000 | $259,000 | $535,000 | $110,000 | $255,000 |
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 | 1,417 | $363,835,000 | $256,000 | $31,005,000 | $181,000 | $2,902,000 |
| Application Denied By Financial Institution | 118 | $11,140,000 | $94,000 | $505,000 | $98,000 | $801,000 |
| Application Withdrawn By Applicant | 116 | $23,630,000 | $203,000 | $1,025,000 | $141,000 | $667,000 |
| Application Approved But Not Accepted | 35 | $12,325,000 | $352,000 | $1,915,000 | $222,000 | $1,154,000 |
| Loan Purchased By The Institution | 1 | $255,000 | $255,000 | $255,000 | $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 | 1,569 | $400,045,000 | $254,000 | $31,005,000 | $179,000 | $2,902,000 |
| Credit History | 38 | $2,410,000 | $63,000 | $305,000 | $102,000 | $600,000 |
| Debt-To-Income Ratio | 34 | $4,140,000 | $121,000 | $505,000 | $53,000 | $165,000 |
| Collateral | 14 | $1,290,000 | $92,000 | $305,000 | $129,000 | $417,000 |
| Credit Application Incomplete | 13 | $1,705,000 | $131,000 | $255,000 | $109,000 | $402,000 |
| Unverifiable Information | 10 | $640,000 | $64,000 | $205,000 | $177,000 | $801,000 |
| Other | 6 | $660,000 | $110,000 | $225,000 | $113,000 | $196,000 |
| Employment History | 2 | $110,000 | $55,000 | $85,000 | $42,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $69,000 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2022 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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