Central Bank & Trust Co Mortgage Lending & HMDA Data, 2006
In 2006, Central Bank & Trust Co of Lexington, KY reported 975 mortgage applications totaling $144.8 million, down 17% from 2005. The average application was for $148,543, and applicants reported an average income of $83,401. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lexington-Fayette, KY (708), Cincinnati-Middletown, OH-KY-IN (25) and Decatur, IL (12) (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 | 975 |
| Total Mortgage Loan Application Amount | $144,830,000 |
| Average Mortgage Loan Application Amount | $148,543 |
| Highest Mortgage Loan Application Amount | $3,208,000 |
| Average Applicant Income | $83,401 |
| Highest Applicant Income | $7,620,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Central Bank & Trust Co in 2006
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 | 486 | $82,923,000 | $170,000 | $3,000,000 | $98,000 | $7,620,000 |
| Refinancing | 394 | $57,557,000 | $146,000 | $3,208,000 | $72,000 | $598,000 |
| Home Improvement | 95 | $4,350,000 | $45,000 | $600,000 | $56,000 | $540,000 |
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 | 804 | $107,989,000 | $134,000 | $920,000 | $79,000 | $662,000 |
| Not applicable | 74 | $24,947,000 | $337,000 | $3,208,000 | $7,000 | $260,000 |
| Not Provided | 63 | $6,878,000 | $109,000 | $650,000 | $116,000 | $750,000 |
| Black or African American | 23 | $3,181,000 | $138,000 | $760,000 | $371,000 | $7,620,000 |
| American Indian or Alaskan Native | 5 | $775,000 | $155,000 | $417,000 | $135,000 | $300,000 |
| Asian | 3 | $676,000 | $225,000 | $300,000 | $80,000 | $90,000 |
| Hispanic | 3 | $384,000 | $128,000 | $184,000 | $47,000 | $58,000 |
| 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) | 933 | $140,546,000 | $150,000 | $3,208,000 | $85,000 | $7,620,000 |
| FHA-insured (Federal Housing Administration) | 40 | $4,100,000 | $102,000 | $159,000 | $39,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 2 | $184,000 | $92,000 | $95,000 | $26,000 | $31,000 |
| 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 | 802 | $126,822,000 | $158,000 | $3,208,000 | $89,000 | $7,620,000 |
| Application Withdrawn By Applicant | 91 | $10,185,000 | $111,000 | $400,000 | $65,000 | $396,000 |
| Application Denied By Financial Institution | 58 | $4,795,000 | $82,000 | $328,000 | $48,000 | $211,000 |
| Preapproval Denied by Financial Institution | 18 | $1,744,000 | $96,000 | $315,000 | $37,000 | $211,000 |
| Loan Purchased By The Institution | 4 | $1,203,000 | $300,000 | $490,000 | $130,000 | $260,000 |
| Application Approved But Not Accepted | 1 | $16,000 | $16,000 | $16,000 | $42,000 | $42,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $50,000 | $50,000 |
| Preapproval Approved but not Accepted | 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 | 61 | $5,465,000 | $89,000 | $315,000 | $42,000 | $211,000 |
| Debt-To-Income Ratio | 8 | $468,000 | $58,000 | $328,000 | $38,000 | $132,000 |
| Collateral | 3 | $394,000 | $131,000 | $147,000 | $86,000 | $158,000 |
| Other | 2 | $30,000 | $15,000 | $15,000 | $150,000 | $150,000 |
| Credit Application Incomplete | 1 | $140,000 | $140,000 | $140,000 | $24,000 | $24,000 |
| Employment History | 1 | $42,000 | $42,000 | $42,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2006 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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