Central Bank & Trust Co Mortgage Lending & HMDA Data, 2016
In 2016, Central Bank & Trust Co of Lexington, KY reported 1,867 mortgage applications totaling $400.5 million, up 6% from 2015. The average application was for $214,511, and applicants reported an average income of $104,455. 79% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lexington-Fayette, KY (1,288), Cincinnati, OH-KY-IN (211) and Louisville/Jefferson County, KY-IN (54) (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 | 1,867 |
| Total Mortgage Loan Application Amount | $400,493,000 |
| Average Mortgage Loan Application Amount | $214,511 |
| Highest Mortgage Loan Application Amount | $14,725,000 |
| Average Applicant Income | $104,455 |
| Highest Applicant Income | $7,846,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,288 | $ 248,612,000 | $ 193,021 | $ 111,000 |
| Cincinnati, OH-KY-IN | 211 | $ 85,026,000 | $ 402,966 | $ 114,232 |
| Louisville/Jefferson County, KY-IN | 54 | $ 9,591,000 | $ 177,611 | $ 36,074 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 424,000 | $ 106,000 | $ 58,500 |
| Charleston-North Charleston, SC | 2 | $ 761,000 | $ 380,500 | $ 305,000 |
| Dayton, OH | 2 | $ 8,949,000 | $ 4,474,500 | $ 0 |
| Elizabethtown-Fort Knox, KY | 2 | $ 222,000 | $ 111,000 | $ 18,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 199,000 | $ 99,500 | $ 134,000 |
| Asheville, NC | 1 | $ 320,000 | $ 320,000 | $ 210,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 1,000 | $ 1,000 | $ 39,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 323,000 | $ 323,000 | $ 85,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Bowling Green, KY | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 252,000 | $ 252,000 | $ 133,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 381,000 | $ 381,000 | $ 410,000 |
| Dallas-Plano-Irving, TX | 1 | $ 303,000 | $ 303,000 | $ 120,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 10,000 | $ 10,000 | $ 78,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 300,000 | $ 300,000 | $ 1,225,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 203,000 | $ 203,000 | $ 125,000 |
| Jacksonville, FL | 1 | $ 183,000 | $ 183,000 | $ 160,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 417,000 | $ 417,000 | $ 75,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 284,000 | $ 284,000 | $ 76,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 203,000 | $ 203,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2016
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 | 1,111 | $256,284,000 | $230,000 | $14,725,000 | $103,000 | $7,846,000 |
| Refinancing | 549 | $126,144,000 | $229,000 | $1,800,000 | $117,000 | $1,719,000 |
| Home Improvement | 207 | $18,065,000 | $87,000 | $1,540,000 | $79,000 | $724,000 |
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 | 1,589 | $295,826,000 | $186,000 | $3,225,000 | $114,000 | $7,846,000 |
| Not applicable | 135 | $82,196,000 | $608,000 | $14,725,000 | $0 | $0 |
| Asian | 47 | $10,160,000 | $216,000 | $740,000 | $121,000 | $500,000 |
| Black or African American | 46 | $5,871,000 | $127,000 | $446,000 | $88,000 | $332,000 |
| Hispanic | 26 | $3,375,000 | $129,000 | $601,000 | $87,000 | $500,000 |
| Not Provided | 22 | $2,903,000 | $131,000 | $650,000 | $93,000 | $400,000 |
| American Indian or Alaskan Native | 2 | $162,000 | $81,000 | $160,000 | $98,000 | $115,000 |
| Native Hawaiin 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) | 1,560 | $353,292,000 | $226,000 | $14,725,000 | $114,000 | $7,846,000 |
| FHA-insured (Federal Housing Administration) | 190 | $27,871,000 | $146,000 | $393,000 | $59,000 | $666,000 |
| VA-guaranteed (Veterans Administration) | 62 | $12,386,000 | $199,000 | $515,000 | $61,000 | $254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $6,944,000 | $126,000 | $200,000 | $41,000 | $76,000 |
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 | 1,482 | $338,508,000 | $228,000 | $14,725,000 | $111,000 | $7,846,000 |
| Application Approved But Not Accepted | 162 | $29,917,000 | $184,000 | $1,438,000 | $107,000 | $973,000 |
| Application Denied By Financial Institution | 152 | $18,669,000 | $122,000 | $1,437,000 | $60,000 | $452,000 |
| Loan Purchased By The Institution | 38 | $7,100,000 | $186,000 | $417,000 | $0 | $0 |
| Application Withdrawn By Applicant | 33 | $6,299,000 | $190,000 | $653,000 | $101,000 | $509,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 72 | $5,586,000 | $77,000 | $348,000 | $55,000 | $271,000 |
| Debt-To-Income Ratio | 44 | $7,784,000 | $176,000 | $1,437,000 | $54,000 | $452,000 |
| Collateral | 21 | $3,353,000 | $159,000 | $400,000 | $85,000 | $211,000 |
| Other | 8 | $608,000 | $76,000 | $328,000 | $52,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,018,000 | $203,000 | $383,000 | $85,000 | $226,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $200,000 | $57,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2016 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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