Central Bank & Trust Co Mortgage Lending & HMDA Data, 2023
In 2023, Central Bank & Trust Co of Lexington, KY reported 1,308 mortgage applications totaling $325.5 million, down 22% from 2022. The average application was for $248,853, and applicants reported an average income of $191,527. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (749), Louisville/Jefferson County, KY-IN (230) and Cincinnati, OH-KY-IN (121) (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 | 1,308 |
| Total Mortgage Loan Application Amount | $325,500,000 |
| Average Mortgage Loan Application Amount | $248,853 |
| Highest Mortgage Loan Application Amount | $27,505,000 |
| Average Applicant Income | $191,527 |
| Highest Applicant Income | $2,697,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 462 | $ 97,310,000 | $ 210,627 | $ 176,000 |
| Jefferson, Kentucky | 158 | $ 30,220,000 | $ 191,265 | $ 227,000 |
| Scott, Kentucky | 95 | $ 15,615,000 | $ 164,368 | $ 124,000 |
| Jessamine, Kentucky | 87 | $ 33,185,000 | $ 381,436 | $ 350,000 |
| Madison, Kentucky | 82 | $ 14,640,000 | $ 178,536 | $ 131,000 |
| Clark, Kentucky | 68 | $ 7,580,000 | $ 111,470 | $ 86,000 |
| Kenton, Kentucky | 60 | $ 16,200,000 | $ 270,000 | $ 312,000 |
| Boone, Kentucky | 33 | $ 34,305,000 | $ 1,039,545 | $ 204,000 |
| Woodford, Kentucky | 26 | $ 7,730,000 | $ 297,307 | $ 194,000 |
| Harrison, Kentucky | 25 | $ 4,105,000 | $ 164,200 | $ 97,000 |
| Oldham, Kentucky | 22 | $ 6,120,000 | $ 278,181 | $ 341,000 |
| Bullitt, Kentucky | 20 | $ 2,210,000 | $ 110,500 | $ 99,000 |
| Bourbon, Kentucky | 11 | $ 1,985,000 | $ 180,454 | $ 155,000 |
| Hamilton, Ohio | 11 | $ 20,915,000 | $ 1,901,363 | $ 216,000 |
| Clark, Indiana | 10 | $ 1,810,000 | $ 181,000 | $ 196,000 |
| Shelby, Kentucky | 9 | $ 1,195,000 | $ 132,777 | $ 162,000 |
| Franklin, Kentucky | 8 | $ 1,910,000 | $ 238,750 | $ 529,000 |
| Mercer, Kentucky | 8 | $ 1,840,000 | $ 230,000 | $ 132,000 |
| Powell, Kentucky | 8 | $ 830,000 | $ 103,750 | $ 115,000 |
| Floyd, Indiana | 7 | $ 1,055,000 | $ 150,714 | $ 190,000 |
| Campbell, Kentucky | 7 | $ 1,015,000 | $ 145,000 | $ 211,000 |
| Garrard, Kentucky | 6 | $ 1,040,000 | $ 173,333 | $ 87,000 |
| Estill, Kentucky | 5 | $ 1,025,000 | $ 205,000 | $ 132,000 |
| Montgomery, Kentucky | 5 | $ 195,000 | $ 39,000 | $ 86,000 |
| Nelson, Kentucky | 5 | $ 715,000 | $ 143,000 | $ 88,000 |
| Nicholas, Kentucky | 5 | $ 1,025,000 | $ 205,000 | $ 90,000 |
| Owen, Kentucky | 5 | $ 465,000 | $ 93,000 | $ 71,000 |
| Grant, Kentucky | 4 | $ 730,000 | $ 182,500 | $ 182,000 |
| Anderson, Kentucky | 3 | $ 505,000 | $ 168,333 | $ 67,000 |
| Warren, Kentucky | 3 | $ 935,000 | $ 311,666 | $ 250,000 |
| Hendricks, Indiana | 2 | $ 100,000 | $ 50,000 | $ 178,000 |
| Scott, Indiana | 2 | $ 70,000 | $ 35,000 | $ 82,000 |
| Mason, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 65,000 |
| Menifee, Kentucky | 2 | $ 240,000 | $ 120,000 | $ 205,000 |
| Pendleton, Kentucky | 2 | $ 520,000 | $ 260,000 | $ 140,000 |
| Rockcastle, Kentucky | 2 | $ 60,000 | $ 30,000 | $ 48,000 |
| Spencer, Kentucky | 2 | $ 310,000 | $ 155,000 | $ 134,000 |
| Clermont, Ohio | 2 | $ 260,000 | $ 130,000 | $ 164,000 |
| Lucas, Ohio | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Davidson, Tennessee | 2 | $ 910,000 | $ 455,000 | $ 251,000 |
| Broward, Florida | 1 | $ 95,000 | $ 95,000 | $ 325,000 |
| Martin, Florida | 1 | $ 335,000 | $ 335,000 | $ 290,000 |
| Pasco, Florida | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Pinellas, Florida | 1 | $ 725,000 | $ 725,000 | $ 308,000 |
| Cherokee, Georgia | 1 | $ 1,705,000 | $ 1,705,000 | $ 556,000 |
| Harrison, Indiana | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Marion, Indiana | 1 | $ 345,000 | $ 345,000 | $ 142,000 |
| Warrick, Indiana | 1 | $ 155,000 | $ 155,000 | $ 122,000 |
| Bath, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 81,000 |
| Boyle, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Bracken, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 123,000 |
| Carroll, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Casey, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Daviess, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 119,000 |
| Edmonson, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 195,000 |
| Hardin, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Henry, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 152,000 |
| Laurel, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Lewis, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 147,000 |
| Lincoln, Kentucky | 1 | $ 405,000 | $ 405,000 | $ 136,000 |
| Logan, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Pulaski, Kentucky | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Russell, Kentucky | 1 | $ 545,000 | $ 545,000 | $ 369,000 |
| Washington, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Butler, Ohio | 1 | $ 5,595,000 | $ 5,595,000 | $ 0 |
| Champaign, Ohio | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Lawrence, Ohio | 1 | $ 65,000 | $ 65,000 | $ 81,000 |
| Montgomery, Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 805,000 | $ 805,000 | $ 599,000 |
| Horry, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 334,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2023
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 | 480 | $216,780,000 | $451,000 | $27,505,000 | $215,000 | $2,517,000 |
| Other Purpose | 315 | $36,695,000 | $116,000 | $3,605,000 | $168,000 | $1,873,000 |
| Refinancing | 297 | $46,795,000 | $157,000 | $1,205,000 | $198,000 | $1,817,000 |
| Home Improvement | 179 | $18,125,000 | $101,000 | $1,455,000 | $173,000 | $2,697,000 |
| Cash-out Refinancing | 37 | $7,105,000 | $192,000 | $545,000 | $125,000 | $493,000 |
| 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 | 985 | $212,405,000 | $215,000 | $3,855,000 | $195,000 | $2,697,000 |
| Not Provided | 178 | $27,170,000 | $152,000 | $3,605,000 | $155,000 | $1,873,000 |
| Not applicable | 66 | $66,920,000 | $1,013,000 | $27,505,000 | $0 | $0 |
| Black or African American | 30 | $4,970,000 | $165,000 | $1,405,000 | $139,000 | $1,200,000 |
| Hispanic | 20 | $6,090,000 | $304,000 | $1,785,000 | $217,000 | $887,000 |
| Asian | 19 | $6,155,000 | $323,000 | $875,000 | $248,000 | $599,000 |
| American Indian or Alaskan Native | 5 | $1,025,000 | $205,000 | $575,000 | $143,000 | $349,000 |
| 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) | 1,256 | $314,180,000 | $250,000 | $27,505,000 | $195,000 | $2,697,000 |
| FHA-insured (Federal Housing Administration) | 35 | $7,645,000 | $218,000 | $455,000 | $86,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,800,000 | $180,000 | $275,000 | $66,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,875,000 | $267,000 | $545,000 | $110,000 | $246,000 |
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 | 1,078 | $287,490,000 | $266,000 | $27,505,000 | $207,000 | $2,697,000 |
| Application Denied By Financial Institution | 123 | $11,545,000 | $93,000 | $505,000 | $82,000 | $599,000 |
| Application Withdrawn By Applicant | 83 | $18,495,000 | $222,000 | $805,000 | $154,000 | $626,000 |
| Application Approved But Not Accepted | 23 | $7,595,000 | $330,000 | $2,005,000 | $192,000 | $750,000 |
| Loan Purchased By The Institution | 1 | $375,000 | $375,000 | $375,000 | $235,000 | $235,000 |
| 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 | 1,185 | $313,955,000 | $264,000 | $27,505,000 | $202,000 | $2,697,000 |
| Debt-To-Income Ratio | 45 | $4,505,000 | $100,000 | $505,000 | $61,000 | $172,000 |
| Credit History | 41 | $3,045,000 | $74,000 | $325,000 | $67,000 | $222,000 |
| Credit Application Incomplete | 12 | $1,790,000 | $149,000 | $445,000 | $142,000 | $529,000 |
| Other | 10 | $1,270,000 | $127,000 | $295,000 | $107,000 | $178,000 |
| Collateral | 7 | $485,000 | $69,000 | $155,000 | $95,000 | $256,000 |
| Unverifiable Information | 6 | $420,000 | $70,000 | $155,000 | $176,000 | $599,000 |
| Employment History | 2 | $30,000 | $15,000 | $15,000 | $62,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2023 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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