Central Bank & Trust Co Mortgage Lending & HMDA Data, 2015
In 2015, Central Bank & Trust Co of Lexington, KY reported 1,766 mortgage applications totaling $327.4 million, up 26% from 2014. The average application was for $185,389, and applicants reported an average income of $103,447. 81% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lexington-Fayette, KY (1,254), Cincinnati, OH-KY-IN (143) and Louisville/Jefferson County, KY-IN (36) (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 | 1,766 |
| Total Mortgage Loan Application Amount | $327,397,000 |
| Average Mortgage Loan Application Amount | $185,389 |
| Highest Mortgage Loan Application Amount | $15,157,000 |
| Average Applicant Income | $103,447 |
| Highest Applicant Income | $3,758,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,254 | $ 219,504,000 | $ 175,043 | $ 105,000 |
| Cincinnati, OH-KY-IN | 143 | $ 32,407,000 | $ 226,622 | $ 111,804 |
| Louisville/Jefferson County, KY-IN | 36 | $ 11,241,000 | $ 312,250 | $ 40,000 |
| Dayton, OH | 4 | $ 15,722,000 | $ 3,930,500 | $ 745,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,397,000 | $ 465,666 | $ 330,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 485,000 | $ 161,666 | $ 76,000 |
| Columbus, OH | 2 | $ 463,000 | $ 231,500 | $ 131,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 627,000 | $ 313,500 | $ 150,000 |
| Panama City, FL | 2 | $ 431,000 | $ 215,500 | $ 157,000 |
| Tallahassee, FL | 2 | $ 450,000 | $ 225,000 | $ 366,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 1,220,000 | $ 610,000 | $ 523,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 310,000 | $ 310,000 | $ 304,000 |
| Charleston-North Charleston, SC | 1 | $ 380,000 | $ 380,000 | $ 436,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 218,000 | $ 218,000 | $ 85,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 260,000 | $ 260,000 | $ 250,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 210,000 | $ 210,000 | $ 63,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 143,000 | $ 143,000 | $ 104,000 |
| Evansville, IN-KY | 1 | $ 142,000 | $ 142,000 | $ 61,000 |
| Fort Wayne, IN | 1 | $ 116,000 | $ 116,000 | $ 43,000 |
| Jacksonville, FL | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Knoxville, TN | 1 | $ 105,000 | $ 105,000 | $ 1,391,000 |
| Muskegon, MI | 1 | $ 272,000 | $ 272,000 | $ 382,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 170,000 | $ 170,000 | $ 56,000 |
| Owensboro, KY | 1 | $ 257,000 | $ 257,000 | $ 30,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 400,000 | $ 400,000 | $ 93,000 |
| Portland-South Portland, ME | 1 | $ 140,000 | $ 140,000 | $ 198,000 |
| Sioux City, IA-NE-SD | 1 | $ 67,000 | $ 67,000 | $ 54,000 |
| Springfield, OH | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2015
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 | 1,098 | $201,250,000 | $183,000 | $4,017,000 | $104,000 | $3,758,000 |
| Refinancing | 531 | $105,913,000 | $199,000 | $1,805,000 | $113,000 | $1,825,000 |
| Home Improvement | 137 | $20,234,000 | $147,000 | $15,157,000 | $62,000 | $399,000 |
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 | 1,532 | $264,371,000 | $172,000 | $1,079,000 | $108,000 | $3,758,000 |
| Not applicable | 89 | $38,228,000 | $429,000 | $15,157,000 | $0 | $0 |
| Black or African American | 56 | $7,843,000 | $140,000 | $781,000 | $101,000 | $400,000 |
| Not Provided | 36 | $6,214,000 | $172,000 | $650,000 | $126,000 | $380,000 |
| Asian | 35 | $6,768,000 | $193,000 | $460,000 | $144,000 | $500,000 |
| Hispanic | 17 | $3,876,000 | $228,000 | $1,168,000 | $113,000 | $616,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $97,000 | $97,000 | $97,000 | $29,000 | $29,000 |
| 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) | 1,442 | $281,561,000 | $195,000 | $15,157,000 | $115,000 | $3,758,000 |
| FHA-insured (Federal Housing Administration) | 203 | $27,579,000 | $135,000 | $276,000 | $53,000 | $316,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 74 | $9,245,000 | $124,000 | $251,000 | $43,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 47 | $9,012,000 | $191,000 | $652,000 | $76,000 | $399,000 |
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 | 1,438 | $278,620,000 | $193,000 | $15,157,000 | $103,000 | $1,825,000 |
| Application Denied By Financial Institution | 133 | $15,701,000 | $118,000 | $880,000 | $101,000 | $1,391,000 |
| Application Approved But Not Accepted | 121 | $18,646,000 | $154,000 | $1,079,000 | $129,000 | $3,758,000 |
| Application Withdrawn By Applicant | 52 | $10,110,000 | $194,000 | $888,000 | $121,000 | $510,000 |
| Loan Purchased By The Institution | 22 | $4,320,000 | $196,000 | $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 | 60 | $5,560,000 | $92,000 | $380,000 | $64,000 | $436,000 |
| Debt-To-Income Ratio | 27 | $4,391,000 | $162,000 | $880,000 | $65,000 | $213,000 |
| Collateral | 23 | $3,516,000 | $152,000 | $693,000 | $108,000 | $496,000 |
| Other | 15 | $1,058,000 | $70,000 | $685,000 | $60,000 | $353,000 |
| Unverifiable Information | 3 | $463,000 | $154,000 | $257,000 | $99,000 | $120,000 |
| Credit Application Incomplete | 3 | $490,000 | $163,000 | $280,000 | $1,391,000 | $1,391,000 |
| Employment History | 2 | $223,000 | $111,000 | $221,000 | $25,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2015 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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