Central Bank & Trust Co Mortgage Lending & HMDA Data, 2009
In 2009, Central Bank & Trust Co of Lexington, KY reported 1,623 mortgage applications totaling $281.0 million, up 59% from 2008. The average application was for $173,133, and applicants reported an average income of $98,789. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lexington-Fayette, KY (1,270), Cincinnati-Middletown, OH-KY-IN (53) and Louisville-Jefferson County, KY-IN (13) (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 | 1,623 |
| Total Mortgage Loan Application Amount | $280,995,000 |
| Average Mortgage Loan Application Amount | $173,133 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $98,789 |
| Highest Applicant Income | $1,032,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,270 | $ 220,791,000 | $ 173,851 | $ 103,000 |
| Cincinnati-Middletown, OH-KY-IN | 53 | $ 10,966,000 | $ 206,905 | $ 64,924 |
| Louisville-Jefferson County, KY-IN | 13 | $ 3,456,000 | $ 265,846 | $ 57,000 |
| Dayton, OH | 4 | $ 1,055,000 | $ 263,750 | $ 26,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 765,000 | $ 382,500 | $ 115,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 479,000 | $ 239,500 | $ 153,000 |
| Clarksville, TN-KY | 2 | $ 184,000 | $ 92,000 | $ 44,000 |
| Columbus, OH | 2 | $ 403,000 | $ 201,500 | $ 38,000 |
| Elizabethtown, KY | 2 | $ 360,000 | $ 180,000 | $ 59,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 576,000 | $ 288,000 | $ 61,000 |
| Albuquerque, NM | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Asheville, NC | 1 | $ 400,000 | $ 400,000 | $ 227,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 90,000 | $ 90,000 | $ 102,000 |
| Bloomington, IN | 1 | $ 417,000 | $ 417,000 | $ 103,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 350,000 | $ 350,000 | $ 218,000 |
| Canton-Massillon, OH | 1 | $ 74,000 | $ 74,000 | $ 650,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 417,000 | $ 417,000 | $ 485,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Denver-Aurora-Broomfield, CO | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Gary, IN | 1 | $ 284,000 | $ 284,000 | $ 130,000 |
| Greenville, NC | 1 | $ 383,000 | $ 383,000 | $ 533,000 |
| Jacksonville, FL | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Knoxville, TN | 1 | $ 101,000 | $ 101,000 | $ 88,000 |
| Lakeland-Winter Haven, FL | 1 | $ 194,000 | $ 194,000 | $ 152,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,128,000 | $ 1,128,000 | $ 304,000 |
| Morristown, TN | 1 | $ 62,000 | $ 62,000 | $ 10,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 230,000 | $ 230,000 | $ 57,000 |
| Peoria, IL | 1 | $ 130,000 | $ 130,000 | $ 51,000 |
| Port St. Lucie, FL | 1 | $ 110,000 | $ 110,000 | $ 79,000 |
| Raleigh-Cary, NC | 1 | $ 264,000 | $ 264,000 | $ 113,000 |
| San Antonio, TX | 1 | $ 218,000 | $ 218,000 | $ 300,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,013 | $189,478,000 | $187,000 | $2,200,000 | $105,000 | $1,032,000 |
| Home Purchase | 533 | $88,732,000 | $166,000 | $2,000,000 | $91,000 | $770,000 |
| Home Improvement | 77 | $2,785,000 | $36,000 | $490,000 | $71,000 | $518,000 |
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 | 1,431 | $242,530,000 | $169,000 | $1,128,000 | $102,000 | $1,032,000 |
| Not applicable | 55 | $16,437,000 | $298,000 | $2,200,000 | $0 | $0 |
| Not Provided | 48 | $6,388,000 | $133,000 | $396,000 | $87,000 | $518,000 |
| Black or African American | 42 | $6,042,000 | $143,000 | $756,000 | $64,000 | $324,000 |
| Asian | 32 | $7,149,000 | $223,000 | $417,000 | $175,000 | $468,000 |
| Hispanic | 12 | $1,985,000 | $165,000 | $415,000 | $130,000 | $529,000 |
| American Indian or Alaskan Native | 3 | $464,000 | $154,000 | $192,000 | $37,000 | $43,000 |
| 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) | 1,310 | $236,532,000 | $180,000 | $2,200,000 | $110,000 | $1,032,000 |
| FHA-insured (Federal Housing Administration) | 279 | $39,128,000 | $140,000 | $276,000 | $52,000 | $257,000 |
| VA-guaranteed (Veterans Administration) | 34 | $5,335,000 | $156,000 | $304,000 | $39,000 | $112,000 |
| 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 | 1,396 | $246,247,000 | $176,000 | $2,200,000 | $100,000 | $1,003,000 |
| Application Withdrawn By Applicant | 149 | $26,266,000 | $176,000 | $417,000 | $107,000 | $1,032,000 |
| Application Denied By Financial Institution | 72 | $7,213,000 | $100,000 | $310,000 | $55,000 | $155,000 |
| Application Approved But Not Accepted | 4 | $472,000 | $118,000 | $275,000 | $82,000 | $208,000 |
| Loan Purchased By The Institution | 2 | $797,000 | $398,000 | $470,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 35 | $2,157,000 | $61,000 | $238,000 | $53,000 | $118,000 |
| Employment History | 12 | $1,707,000 | $142,000 | $244,000 | $47,000 | $86,000 |
| Debt-To-Income Ratio | 8 | $960,000 | $120,000 | $248,000 | $63,000 | $155,000 |
| Collateral | 8 | $960,000 | $120,000 | $310,000 | $49,000 | $106,000 |
| Other | 7 | $1,029,000 | $147,000 | $287,000 | $87,000 | $132,000 |
| Credit Application Incomplete | 1 | $250,000 | $250,000 | $250,000 | $0 | $0 |
| Mortgage Insurance Denied | 1 | $150,000 | $150,000 | $150,000 | $66,000 | $66,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2009 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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