Central Bank & Trust Co Mortgage Lending & HMDA Data, 2014
In 2014, Central Bank & Trust Co of Lexington, KY reported 1,405 mortgage applications totaling $233.3 million, down 23% from 2013. The average application was for $166,045, and applicants reported an average income of $104,590. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (1,021), Cincinnati, OH-KY-IN (74) and Louisville/Jefferson County, KY-IN (41) (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 | 1,405 |
| Total Mortgage Loan Application Amount | $233,294,000 |
| Average Mortgage Loan Application Amount | $166,045 |
| Highest Mortgage Loan Application Amount | $2,800,000 |
| Average Applicant Income | $104,590 |
| Highest Applicant Income | $3,824,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,021 | $ 169,132,000 | $ 165,653 | $ 105,000 |
| Cincinnati, OH-KY-IN | 74 | $ 16,208,000 | $ 219,027 | $ 146,351 |
| Louisville/Jefferson County, KY-IN | 41 | $ 6,430,000 | $ 156,829 | $ 49,170 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 710,000 | $ 177,500 | $ 57,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 479,000 | $ 239,500 | $ 42,000 |
| Knoxville, TN | 2 | $ 399,000 | $ 199,500 | $ 218,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 258,000 | $ 129,000 | $ 71,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 494,000 | $ 247,000 | $ 567,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 808,000 | $ 404,000 | $ 900,000 |
| Asheville, NC | 1 | $ 345,000 | $ 345,000 | $ 197,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 146,000 | $ 146,000 | $ 50,000 |
| Austin-Round Rock, TX | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Bowling Green, KY | 1 | $ 385,000 | $ 385,000 | $ 593,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 400,000 | $ 400,000 | $ 798,000 |
| Charleston-North Charleston, SC | 1 | $ 912,000 | $ 912,000 | $ 802,000 |
| Chattanooga, TN-GA | 1 | $ 269,000 | $ 269,000 | $ 650,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Dayton, OH | 1 | $ 81,000 | $ 81,000 | $ 101,000 |
| Greeley, CO | 1 | $ 335,000 | $ 335,000 | $ 567,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 123,000 | $ 123,000 | $ 83,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 4,000 | $ 4,000 | $ 49,000 |
| Jacksonville, FL | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 214,000 | $ 214,000 | $ 255,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 417,000 | $ 417,000 | $ 234,000 |
| Ocala, FL | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 372,000 | $ 372,000 | $ 75,000 |
| Port St. Lucie, FL | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Sebastian-Vero Beach, FL | 1 | $ 200,000 | $ 200,000 | $ 369,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2014
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 | 897 | $160,759,000 | $179,000 | $2,800,000 | $105,000 | $3,824,000 |
| Refinancing | 363 | $65,699,000 | $180,000 | $1,480,000 | $113,000 | $3,824,000 |
| Home Improvement | 145 | $6,836,000 | $47,000 | $1,226,000 | $81,000 | $2,202,000 |
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 | 1,214 | $192,605,000 | $158,000 | $1,480,000 | $108,000 | $3,824,000 |
| Not applicable | 81 | $22,534,000 | $278,000 | $2,800,000 | $0 | $0 |
| Black or African American | 36 | $3,585,000 | $99,000 | $580,000 | $59,000 | $195,000 |
| Not Provided | 30 | $4,268,000 | $142,000 | $459,000 | $191,000 | $2,202,000 |
| Asian | 27 | $7,226,000 | $267,000 | $1,750,000 | $186,000 | $1,020,000 |
| Hispanic | 16 | $2,910,000 | $181,000 | $779,000 | $191,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $166,000 | $166,000 | $166,000 | $55,000 | $55,000 |
| 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) | 1,184 | $202,994,000 | $171,000 | $2,800,000 | $114,000 | $3,824,000 |
| FHA-insured (Federal Housing Administration) | 103 | $13,444,000 | $130,000 | $294,000 | $55,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $9,491,000 | $120,000 | $239,000 | $43,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 39 | $7,365,000 | $188,000 | $416,000 | $75,000 | $218,000 |
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 | 1,100 | $189,820,000 | $172,000 | $2,800,000 | $113,000 | $3,824,000 |
| Application Approved But Not Accepted | 121 | $18,655,000 | $154,000 | $510,000 | $97,000 | $1,252,000 |
| Application Denied By Financial Institution | 121 | $11,551,000 | $95,000 | $1,480,000 | $56,000 | $876,000 |
| Application Withdrawn By Applicant | 36 | $7,933,000 | $220,000 | $1,750,000 | $125,000 | $1,020,000 |
| Loan Purchased By The Institution | 27 | $5,335,000 | $197,000 | $417,000 | $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 | 58 | $4,026,000 | $69,000 | $1,225,000 | $66,000 | $876,000 |
| Debt-To-Income Ratio | 35 | $4,102,000 | $117,000 | $1,480,000 | $39,000 | $343,000 |
| Other | 12 | $1,238,000 | $103,000 | $193,000 | $50,000 | $120,000 |
| Collateral | 11 | $1,011,000 | $91,000 | $271,000 | $61,000 | $124,000 |
| Employment History | 2 | $342,000 | $171,000 | $236,000 | $48,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $747,000 | $373,000 | $417,000 | $88,000 | $176,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $31,000 | $31,000 |
| Credit Application Incomplete | 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 2014 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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