Central Bank & Trust Co Mortgage Lending & HMDA Data, 2020
In 2020, Central Bank & Trust Co of Lexington, KY reported 2,888 mortgage applications totaling $642.0 million, up 30% from 2019. The average application was for $222,313, and applicants reported an average income of $164,222. 83% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lexington-Fayette, KY (1,852), Cincinnati, OH-KY-IN (337) and Louisville/Jefferson County, KY-IN (265) (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 | 2,888 |
| Total Mortgage Loan Application Amount | $642,040,000 |
| Average Mortgage Loan Application Amount | $222,313 |
| Highest Mortgage Loan Application Amount | $6,985,000 |
| Average Applicant Income | $164,222 |
| Highest Applicant Income | $5,839,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,852 | $ 404,730,000 | $ 218,536 | $ 156,000 |
| Outside any metro area | 389 | $ 63,975,000 | $ 164,460 | $ 101,951 |
| Cincinnati, OH-KY-IN | 337 | $ 83,365,000 | $ 247,373 | $ 222,264 |
| Louisville/Jefferson County, KY-IN | 265 | $ 66,855,000 | $ 252,283 | $ 197,396 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,715,000 | $ 343,000 | $ 151,800 |
| Bowling Green, KY | 3 | $ 1,045,000 | $ 348,333 | $ 359,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 435,000 | $ 145,000 | $ 77,000 |
| Morristown, TN | 3 | $ 1,485,000 | $ 495,000 | $ 456,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 525,000 | $ 175,000 | $ 163,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 920,000 | $ 460,000 | $ 318,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 730,000 | $ 365,000 | $ 316,000 |
| Knoxville, TN | 2 | $ 720,000 | $ 360,000 | $ 530,000 |
| Ocala, FL | 2 | $ 180,000 | $ 90,000 | $ 66,000 |
| Punta Gorda, FL | 2 | $ 380,000 | $ 190,000 | $ 324,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 630,000 | $ 315,000 | $ 121,000 |
| Brunswick, GA | 1 | $ 915,000 | $ 915,000 | $ 747,000 |
| Charleston-North Charleston, SC | 1 | $ 445,000 | $ 445,000 | $ 130,000 |
| Chicago-Naperville, IL | 1 | $ 175,000 | $ 175,000 | $ 317,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Elizabethtown-Fort Knox, KY | 1 | $ 435,000 | $ 435,000 | $ 145,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 305,000 | $ 305,000 | $ 223,000 |
| Jacksonville, FL | 1 | $ 515,000 | $ 515,000 | $ 613,000 |
| Kansas City, MO-KS | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,025,000 | $ 1,025,000 | $ 3,583,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 1,075,000 | $ 1,075,000 | $ 1,121,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 515,000 | $ 515,000 | $ 320,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 515,000 | $ 515,000 | $ 142,000 |
| Panama City, FL | 1 | $ 225,000 | $ 225,000 | $ 412,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 5,000 | $ 5,000 | $ 125,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 255,000 | $ 255,000 | $ 3,430,000 |
| Toledo, OH | 1 | $ 6,985,000 | $ 6,985,000 | $ 0 |
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2020
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 | 1,074 | $278,220,000 | $259,000 | $4,705,000 | $187,000 | $3,430,000 |
| Home Purchase | 1,013 | $248,835,000 | $245,000 | $6,985,000 | $138,000 | $3,583,000 |
| Other Purpose | 342 | $33,190,000 | $97,000 | $755,000 | $208,000 | $5,839,000 |
| Cash-out Refinancing | 302 | $70,850,000 | $234,000 | $515,000 | $129,000 | $742,000 |
| Home Improvement | 157 | $10,945,000 | $69,000 | $725,000 | $150,000 | $1,384,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,438 | $542,290,000 | $222,000 | $2,755,000 | $164,000 | $5,839,000 |
| Not Provided | 180 | $21,350,000 | $118,000 | $565,000 | $153,000 | $3,430,000 |
| Not applicable | 83 | $38,605,000 | $465,000 | $6,985,000 | $0 | $0 |
| Black or African American | 74 | $12,320,000 | $166,000 | $1,025,000 | $188,000 | $3,583,000 |
| Asian | 65 | $18,115,000 | $278,000 | $1,005,000 | $229,000 | $850,000 |
| Hispanic | 38 | $6,450,000 | $169,000 | $515,000 | $123,000 | $622,000 |
| American Indian or Alaskan Native | 2 | $190,000 | $95,000 | $145,000 | $62,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $22,000 | $22,000 |
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) | 2,768 | $619,320,000 | $223,000 | $6,985,000 | $169,000 | $5,839,000 |
| FHA-insured (Federal Housing Administration) | 50 | $8,170,000 | $163,000 | $295,000 | $68,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $5,795,000 | $148,000 | $245,000 | $46,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 31 | $8,755,000 | $282,000 | $555,000 | $105,000 | $281,000 |
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 | 2,397 | $546,035,000 | $227,000 | $6,985,000 | $172,000 | $5,839,000 |
| Application Withdrawn By Applicant | 264 | $57,500,000 | $217,000 | $995,000 | $151,000 | $1,384,000 |
| Application Denied By Financial Institution | 183 | $26,345,000 | $143,000 | $1,175,000 | $92,000 | $742,000 |
| Application Approved But Not Accepted | 40 | $9,370,000 | $234,000 | $1,325,000 | $140,000 | $500,000 |
| Loan Purchased By The Institution | 3 | $2,685,000 | $895,000 | $2,205,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $32,000 | $32,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,705 | $615,695,000 | $227,000 | $6,985,000 | $170,000 | $5,839,000 |
| Debt-To-Income Ratio | 58 | $8,720,000 | $150,000 | $1,175,000 | $65,000 | $742,000 |
| Credit History | 47 | $3,975,000 | $84,000 | $425,000 | $80,000 | $343,000 |
| Credit Application Incomplete | 31 | $4,235,000 | $136,000 | $435,000 | $103,000 | $505,000 |
| Collateral | 16 | $2,470,000 | $154,000 | $505,000 | $122,000 | $600,000 |
| Other | 14 | $3,170,000 | $226,000 | $1,005,000 | $110,000 | $453,000 |
| Unverifiable Information | 8 | $910,000 | $113,000 | $515,000 | $112,000 | $398,000 |
| Employment History | 7 | $1,975,000 | $282,000 | $505,000 | $219,000 | $560,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $890,000 | $445,000 | $705,000 | $182,000 | $289,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2020 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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