Central Bank & Trust Co Mortgage Lending & HMDA Data, 2008
In 2008, Central Bank & Trust Co of Lexington, KY reported 1,020 mortgage applications totaling $168.1 million, up 4% from 2007. The average application was for $164,761, and applicants reported an average income of $83,241. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lexington-Fayette, KY (744), Cincinnati-Middletown, OH-KY-IN (52) and Louisville-Jefferson County, KY-IN (11) (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 | 1,020 |
| Total Mortgage Loan Application Amount | $168,057,000 |
| Average Mortgage Loan Application Amount | $164,761 |
| Highest Mortgage Loan Application Amount | $4,850,000 |
| Average Applicant Income | $83,241 |
| Highest Applicant Income | $1,476,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 744 | $ 119,869,000 | $ 161,114 | $ 88,000 |
| Cincinnati-Middletown, OH-KY-IN | 52 | $ 9,435,000 | $ 181,442 | $ 40,500 |
| Louisville-Jefferson County, KY-IN | 11 | $ 2,078,000 | $ 188,909 | $ 82,000 |
| Columbus, OH | 4 | $ 561,000 | $ 140,250 | $ 50,000 |
| Dayton, OH | 3 | $ 909,000 | $ 303,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 510,000 | $ 255,000 | $ 87,000 |
| Gary, IN | 2 | $ 428,000 | $ 214,000 | $ 77,000 |
| Mobile, AL | 2 | $ 243,000 | $ 121,500 | $ 97,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 262,000 | $ 131,000 | $ 101,000 |
| Owensboro, KY | 2 | $ 362,000 | $ 181,000 | $ 144,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 267,000 | $ 267,000 | $ 82,000 |
| Birmingham-Hoover, AL | 1 | $ 200,000 | $ 200,000 | $ 480,000 |
| Bloomington, IN | 1 | $ 417,000 | $ 417,000 | $ 103,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 344,000 | $ 344,000 | $ 117,000 |
| Canton-Massillon, OH | 1 | $ 75,000 | $ 75,000 | $ 1,476,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 275,000 | $ 275,000 | $ 172,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
| Decatur, IL | 1 | $ 62,000 | $ 62,000 | $ 18,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| Lawton, OK | 1 | $ 42,000 | $ 42,000 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 82,000 | $ 82,000 | $ 130,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 320,000 | $ 320,000 | $ 204,000 |
| Tallahassee, FL | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2008
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 | 526 | $84,139,000 | $159,000 | $1,588,000 | $85,000 | $1,476,000 |
| Refinancing | 442 | $81,736,000 | $184,000 | $4,850,000 | $84,000 | $780,000 |
| Home Improvement | 52 | $2,182,000 | $41,000 | $656,000 | $59,000 | $1,000,000 |
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 | 808 | $128,243,000 | $158,000 | $1,588,000 | $91,000 | $1,476,000 |
| Not Provided | 83 | $12,422,000 | $149,000 | $1,200,000 | $84,000 | $1,000,000 |
| Not applicable | 65 | $17,841,000 | $274,000 | $4,850,000 | $0 | $0 |
| Black or African American | 43 | $5,861,000 | $136,000 | $585,000 | $52,000 | $146,000 |
| Hispanic | 12 | $1,427,000 | $118,000 | $267,000 | $61,000 | $120,000 |
| Asian | 9 | $2,263,000 | $251,000 | $417,000 | $190,000 | $313,000 |
| 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) | 756 | $133,361,000 | $176,000 | $4,850,000 | $94,000 | $1,476,000 |
| FHA-insured (Federal Housing Administration) | 247 | $32,269,000 | $130,000 | $277,000 | $52,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,427,000 | $142,000 | $267,000 | $55,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 875 | $148,492,000 | $169,000 | $4,850,000 | $84,000 | $1,476,000 |
| Application Withdrawn By Applicant | 86 | $13,285,000 | $154,000 | $417,000 | $89,000 | $313,000 |
| Application Denied By Financial Institution | 57 | $5,454,000 | $95,000 | $417,000 | $54,000 | $257,000 |
| Application Approved But Not Accepted | 1 | $222,000 | $222,000 | $222,000 | $75,000 | $75,000 |
| Loan Purchased By The Institution | 1 | $604,000 | $604,000 | $604,000 | $192,000 | $192,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 22 | $1,437,000 | $65,000 | $246,000 | $43,000 | $80,000 |
| Collateral | 15 | $1,921,000 | $128,000 | $417,000 | $68,000 | $190,000 |
| Other | 7 | $854,000 | $122,000 | $291,000 | $88,000 | $257,000 |
| Debt-To-Income Ratio | 6 | $615,000 | $102,000 | $180,000 | $34,000 | $62,000 |
| Employment History | 3 | $283,000 | $94,000 | $138,000 | $24,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $230,000 | $115,000 | $131,000 | $42,000 | $58,000 |
| Credit Application Incomplete | 2 | $114,000 | $57,000 | $70,000 | $56,000 | $87,000 |
| Unverifiable Information | 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 2008 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About