Central Bank & Trust Co Mortgage Lending & HMDA Data, 2024
In 2024, Central Bank & Trust Co of Lexington, KY reported 1,241 mortgage applications totaling $275.5 million, down 5% from 2023. The average application was for $221,986, and applicants reported an average income of $193,716. 81% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lexington-Fayette, KY (700), Louisville/Jefferson County, KY-IN (213) and Cincinnati, OH-KY-IN (114) (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 | 1,241 |
| Total Mortgage Loan Application Amount | $275,485,000 |
| Average Mortgage Loan Application Amount | $221,986 |
| Highest Mortgage Loan Application Amount | $3,565,000 |
| Average Applicant Income | $193,716 |
| Highest Applicant Income | $5,000,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 456 | $ 121,450,000 | $ 266,337 | $ 222,000 |
| Jefferson, Kentucky | 145 | $ 27,255,000 | $ 187,965 | $ 202,000 |
| Scott, Kentucky | 87 | $ 12,495,000 | $ 143,620 | $ 127,000 |
| Jessamine, Kentucky | 76 | $ 21,900,000 | $ 288,157 | $ 306,000 |
| Madison, Kentucky | 69 | $ 14,395,000 | $ 208,623 | $ 150,000 |
| Clark, Kentucky | 57 | $ 9,245,000 | $ 162,192 | $ 99,000 |
| Kenton, Kentucky | 54 | $ 8,910,000 | $ 165,000 | $ 146,000 |
| Boone, Kentucky | 36 | $ 7,980,000 | $ 221,666 | $ 216,000 |
| Oldham, Kentucky | 22 | $ 3,900,000 | $ 177,272 | $ 181,000 |
| Harrison, Kentucky | 18 | $ 1,580,000 | $ 87,777 | $ 73,000 |
| Woodford, Kentucky | 16 | $ 3,290,000 | $ 205,625 | $ 129,000 |
| Garrard, Kentucky | 13 | $ 2,275,000 | $ 175,000 | $ 122,000 |
| Floyd, Indiana | 12 | $ 790,000 | $ 65,833 | $ 125,000 |
| Shelby, Kentucky | 12 | $ 1,280,000 | $ 106,666 | $ 174,000 |
| Clark, Indiana | 11 | $ 1,075,000 | $ 97,727 | $ 149,000 |
| Franklin, Kentucky | 11 | $ 3,045,000 | $ 276,818 | $ 144,000 |
| Hamilton, Ohio | 11 | $ 4,195,000 | $ 381,363 | $ 323,000 |
| Anderson, Kentucky | 9 | $ 1,905,000 | $ 211,666 | $ 90,000 |
| Montgomery, Kentucky | 9 | $ 1,135,000 | $ 126,111 | $ 122,000 |
| Bourbon, Kentucky | 8 | $ 2,610,000 | $ 326,250 | $ 171,000 |
| Bullitt, Kentucky | 8 | $ 560,000 | $ 70,000 | $ 98,000 |
| Nicholas, Kentucky | 8 | $ 1,020,000 | $ 127,500 | $ 85,000 |
| Mercer, Kentucky | 7 | $ 1,815,000 | $ 259,285 | $ 234,000 |
| Campbell, Kentucky | 6 | $ 1,630,000 | $ 271,666 | $ 330,000 |
| Boyle, Kentucky | 5 | $ 1,075,000 | $ 215,000 | $ 129,000 |
| Scott, Indiana | 4 | $ 340,000 | $ 85,000 | $ 90,000 |
| Bath, Kentucky | 4 | $ 420,000 | $ 105,000 | $ 30,000 |
| Broward, Florida | 3 | $ 745,000 | $ 248,333 | $ 395,000 |
| Gallatin, Kentucky | 3 | $ 405,000 | $ 135,000 | $ 80,000 |
| Hardin, Kentucky | 3 | $ 375,000 | $ 125,000 | $ 78,000 |
| Powell, Kentucky | 3 | $ 435,000 | $ 145,000 | $ 92,000 |
| Robertson, Kentucky | 3 | $ 635,000 | $ 211,666 | $ 114,000 |
| Rockcastle, Kentucky | 3 | $ 175,000 | $ 58,333 | $ 115,000 |
| Mesa, Colorado | 2 | $ 1,010,000 | $ 505,000 | $ 159,000 |
| Orange, Florida | 2 | $ 2,300,000 | $ 1,150,000 | $ 1,020,000 |
| Casey, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 61,000 |
| Laurel, Kentucky | 2 | $ 620,000 | $ 310,000 | $ 155,000 |
| Lincoln, Kentucky | 2 | $ 250,000 | $ 125,000 | $ 48,000 |
| Lyon, Kentucky | 2 | $ 900,000 | $ 450,000 | $ 159,000 |
| Owen, Kentucky | 2 | $ 360,000 | $ 180,000 | $ 125,000 |
| Pendleton, Kentucky | 2 | $ 570,000 | $ 285,000 | $ 245,000 |
| Whitley, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 63,000 |
| Baldwin, Alabama | 1 | $ 455,000 | $ 455,000 | $ 363,000 |
| Flagler, Florida | 1 | $ 255,000 | $ 255,000 | $ 450,000 |
| Palm Beach, Florida | 1 | $ 255,000 | $ 255,000 | $ 146,000 |
| Walton, Florida | 1 | $ 425,000 | $ 425,000 | $ 507,000 |
| Gwinnett, Georgia | 1 | $ 865,000 | $ 865,000 | $ 1,120,000 |
| Jackson, Indiana | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Lawrence, Indiana | 1 | $ 45,000 | $ 45,000 | $ 182,000 |
| Marion, Indiana | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Ohio, Indiana | 1 | $ 315,000 | $ 315,000 | $ 150,000 |
| Adair, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Barren, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 296,000 |
| Breckinridge, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Carroll, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 217,000 |
| Clay, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Daviess, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Estill, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Floyd, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 193,000 |
| Grant, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 180,000 |
| Henry, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 535,000 |
| Jackson, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 139,000 |
| Marion, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 93,000 |
| McCracken, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Nelson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| Rowan, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Spencer, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Wolfe, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 500,000 |
| Chatham, North Carolina | 1 | $ 1,215,000 | $ 1,215,000 | $ 1,190,000 |
| Transylvania, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 236,000 |
| Franklin, Ohio | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 825,000 | $ 825,000 | $ 191,000 |
| Davidson, Tennessee | 1 | $ 765,000 | $ 765,000 | $ 318,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2024
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 | 508 | $176,910,000 | $348,000 | $3,565,000 | $230,000 | $5,000,000 |
| Refinancing | 256 | $42,620,000 | $166,000 | $1,045,000 | $196,000 | $1,199,000 |
| Home Improvement | 229 | $23,335,000 | $101,000 | $505,000 | $153,000 | $1,136,000 |
| Other Purpose | 227 | $28,145,000 | $123,000 | $2,005,000 | $162,000 | $1,437,000 |
| Cash-out Refinancing | 21 | $4,475,000 | $213,000 | $535,000 | $75,000 | $207,000 |
| 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 | 972 | $220,000,000 | $226,000 | $3,565,000 | $195,000 | $5,000,000 |
| Not Provided | 121 | $17,005,000 | $140,000 | $645,000 | $158,000 | $1,199,000 |
| Black or African American | 49 | $10,775,000 | $219,000 | $1,255,000 | $167,000 | $1,300,000 |
| Not applicable | 38 | $11,630,000 | $306,000 | $2,705,000 | $0 | $0 |
| Hispanic | 32 | $7,630,000 | $238,000 | $1,235,000 | $204,000 | $1,043,000 |
| Asian | 28 | $8,350,000 | $298,000 | $1,205,000 | $332,000 | $2,078,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $109,000 | $109,000 |
| American Indian or Alaskan Native | 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) | 1,203 | $267,115,000 | $222,000 | $3,565,000 | $197,000 | $5,000,000 |
| FHA-insured (Federal Housing Administration) | 31 | $6,725,000 | $216,000 | $425,000 | $86,000 | $286,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,480,000 | $246,000 | $345,000 | $97,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $165,000 | $165,000 | $165,000 | $56,000 | $56,000 |
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 | 1,005 | $231,265,000 | $230,000 | $3,565,000 | $210,000 | $5,000,000 |
| Application Denied By Financial Institution | 121 | $11,575,000 | $95,000 | $625,000 | $91,000 | $1,213,000 |
| Application Withdrawn By Applicant | 101 | $27,995,000 | $277,000 | $1,305,000 | $152,000 | $1,199,000 |
| Application Approved But Not Accepted | 13 | $4,365,000 | $335,000 | $1,585,000 | $231,000 | $928,000 |
| Loan Purchased By The Institution | 1 | $285,000 | $285,000 | $285,000 | $67,000 | $67,000 |
| 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 | 1,120 | $263,910,000 | $235,000 | $3,565,000 | $205,000 | $5,000,000 |
| Debt-To-Income Ratio | 55 | $4,935,000 | $89,000 | $535,000 | $57,000 | $169,000 |
| Credit History | 42 | $3,510,000 | $83,000 | $525,000 | $83,000 | $271,000 |
| Other | 6 | $920,000 | $153,000 | $505,000 | $143,000 | $243,000 |
| Unverifiable Information | 5 | $355,000 | $71,000 | $125,000 | $147,000 | $260,000 |
| Credit Application Incomplete | 5 | $1,365,000 | $273,000 | $625,000 | $422,000 | $1,213,000 |
| Collateral | 4 | $230,000 | $57,000 | $85,000 | $117,000 | $263,000 |
| Employment History | 3 | $135,000 | $45,000 | $65,000 | $38,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $87,000 | $87,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2024 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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