Central Bank & Trust Co Mortgage Lending & HMDA Data, 2025
In 2025, Central Bank & Trust Co of Lexington, KY reported 1,157 mortgage applications totaling $289.3 million, down 7% from 2024. The average application was for $250,047, and applicants reported an average income of $222,252. 80% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (651), Louisville/Jefferson County, KY-IN (187) and Cincinnati, OH-KY-IN (117) (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 | 1,157 |
| Total Mortgage Loan Application Amount | $289,305,000 |
| Average Mortgage Loan Application Amount | $250,047 |
| Highest Mortgage Loan Application Amount | $4,935,000 |
| Average Applicant Income | $222,252 |
| Highest Applicant Income | $3,296,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lexington-Fayette, KY | 651 | $ 166,115,000 | $ 255,168 | $ 238,000 |
| Louisville/Jefferson County, KY-IN | 187 | $ 33,675,000 | $ 180,080 | $ 181,529 |
| Outside any metro area | 177 | $ 40,165,000 | $ 226,920 | $ 140,000 |
| Cincinnati, OH-KY-IN | 117 | $ 34,835,000 | $ 297,735 | $ 297,717 |
| Elizabethtown-Fort Knox, KY | 4 | $ 4,370,000 | $ 1,092,500 | $ 69,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 210,000 | $ 105,000 | $ 95,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 2,270,000 | $ 1,135,000 | $ 571,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 610,000 | $ 305,000 | $ 435,000 |
| Punta Gorda, FL | 2 | $ 1,200,000 | $ 600,000 | $ 481,000 |
| St. Louis, MO-IL | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 155,000 | $ 155,000 | $ 217,000 |
| Asheville, NC | 1 | $ 385,000 | $ 385,000 | $ 101,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 1,805,000 | $ 1,805,000 | $ 645,000 |
| Grand Junction, CO | 1 | $ 555,000 | $ 555,000 | $ 151,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 605,000 | $ 605,000 | $ 369,000 |
| Knoxville, TN | 1 | $ 525,000 | $ 525,000 | $ 193,000 |
| Memphis, TN-MS-AR | 1 | $ 325,000 | $ 325,000 | $ 106,000 |
| Montgomery, AL | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Tallahassee, FL | 1 | $ 695,000 | $ 695,000 | $ 603,000 |
| Trenton, NJ | 1 | $ 85,000 | $ 85,000 | $ 0 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2025
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 | 509 | $182,765,000 | $359,000 | $4,265,000 | $247,000 | $2,188,000 |
| Home Improvement | 235 | $31,145,000 | $132,000 | $4,935,000 | $198,000 | $1,595,000 |
| Other Purpose | 213 | $23,535,000 | $110,000 | $1,005,000 | $160,000 | $3,296,000 |
| Refinancing | 169 | $44,205,000 | $261,000 | $1,825,000 | $266,000 | $1,595,000 |
| Cash-out Refinancing | 31 | $7,655,000 | $246,000 | $835,000 | $189,000 | $1,872,000 |
| 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 | 891 | $225,935,000 | $253,000 | $1,915,000 | $228,000 | $3,296,000 |
| Not Provided | 135 | $20,615,000 | $152,000 | $805,000 | $190,000 | $1,508,000 |
| Not applicable | 52 | $23,830,000 | $458,000 | $4,935,000 | $0 | $0 |
| Black or African American | 42 | $8,440,000 | $200,000 | $1,505,000 | $171,000 | $1,300,000 |
| Hispanic | 21 | $2,985,000 | $142,000 | $465,000 | $94,000 | $262,000 |
| Asian | 16 | $7,500,000 | $468,000 | $1,195,000 | $412,000 | $657,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,110 | $277,370,000 | $249,000 | $4,935,000 | $227,000 | $3,296,000 |
| FHA-insured (Federal Housing Administration) | 34 | $8,120,000 | $238,000 | $525,000 | $88,000 | $184,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,815,000 | $312,000 | $395,000 | $122,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,000,000 | $250,000 | $265,000 | $77,000 | $81,000 |
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 | 926 | $244,590,000 | $264,000 | $4,935,000 | $241,000 | $3,296,000 |
| Application Denied By Financial Institution | 104 | $13,880,000 | $133,000 | $1,005,000 | $138,000 | $1,872,000 |
| Application Withdrawn By Applicant | 101 | $24,535,000 | $242,000 | $1,015,000 | $152,000 | $686,000 |
| Application Approved But Not Accepted | 24 | $5,570,000 | $232,000 | $935,000 | $165,000 | $563,000 |
| Loan Purchased By The Institution | 2 | $730,000 | $365,000 | $535,000 | $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 | 1,053 | $275,425,000 | $261,000 | $4,935,000 | $230,000 | $3,296,000 |
| Credit History | 36 | $4,710,000 | $130,000 | $1,005,000 | $209,000 | $1,872,000 |
| Debt-To-Income Ratio | 35 | $4,235,000 | $121,000 | $375,000 | $68,000 | $171,000 |
| Credit Application Incomplete | 8 | $1,820,000 | $227,000 | $495,000 | $92,000 | $216,000 |
| Collateral | 7 | $755,000 | $107,000 | $235,000 | $182,000 | $713,000 |
| Other | 6 | $730,000 | $121,000 | $165,000 | $185,000 | $360,000 |
| Employment History | 6 | $710,000 | $118,000 | $525,000 | $75,000 | $244,000 |
| Unverifiable Information | 5 | $595,000 | $119,000 | $505,000 | $180,000 | $540,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $325,000 | $325,000 | $325,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2025 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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