Central Bank & Trust Co Mortgage Lending & HMDA Data, 2013
In 2013, Central Bank & Trust Co of Lexington, KY reported 1,815 mortgage applications totaling $317.2 million, down 16% from 2012. The average application was for $174,757, and applicants reported an average income of $99,223. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (1,366), Cincinnati-Middletown, OH-KY-IN (125) and Louisville/Jefferson County, KY-IN (27) (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 | 1,815 |
| Total Mortgage Loan Application Amount | $317,184,000 |
| Average Mortgage Loan Application Amount | $174,757 |
| Highest Mortgage Loan Application Amount | $10,855,000 |
| Average Applicant Income | $99,223 |
| Highest Applicant Income | $1,600,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 883 | $163,172,000 | $184,000 | $10,855,000 | $102,000 | $1,600,000 |
| Refinancing | 820 | $149,842,000 | $182,000 | $2,250,000 | $102,000 | $1,307,000 |
| Home Improvement | 112 | $4,170,000 | $37,000 | $975,000 | $57,000 | $448,000 |
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 | 1,631 | $269,508,000 | $165,000 | $2,250,000 | $102,000 | $1,600,000 |
| Not applicable | 63 | $27,302,000 | $433,000 | $10,855,000 | $0 | $0 |
| Not Provided | 39 | $5,614,000 | $143,000 | $726,000 | $105,000 | $363,000 |
| Black or African American | 32 | $4,327,000 | $135,000 | $417,000 | $76,000 | $325,000 |
| Asian | 31 | $6,761,000 | $218,000 | $626,000 | $149,000 | $528,000 |
| Hispanic | 16 | $3,048,000 | $190,000 | $417,000 | $172,000 | $458,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $480,000 | $240,000 | $417,000 | $266,000 | $491,000 |
| American Indian or Alaskan Native | 1 | $144,000 | $144,000 | $144,000 | $76,000 | $76,000 |
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) | 1,537 | $280,456,000 | $182,000 | $10,855,000 | $108,000 | $1,600,000 |
| FHA-insured (Federal Housing Administration) | 160 | $20,365,000 | $127,000 | $261,000 | $51,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $7,717,000 | $111,000 | $191,000 | $36,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 49 | $8,646,000 | $176,000 | $438,000 | $65,000 | $285,000 |
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 | 1,492 | $261,621,000 | $175,000 | $2,250,000 | $106,000 | $1,600,000 |
| Application Denied By Financial Institution | 157 | $32,213,000 | $205,000 | $10,855,000 | $83,000 | $1,000,000 |
| Application Approved But Not Accepted | 105 | $14,549,000 | $138,000 | $417,000 | $88,000 | $881,000 |
| Application Withdrawn By Applicant | 58 | $7,731,000 | $133,000 | $516,000 | $0 | $0 |
| Loan Purchased By The Institution | 3 | $1,070,000 | $356,000 | $750,000 | $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 | $17,379,000 | $289,000 | $10,855,000 | $105,000 | $1,000,000 |
| Debt-To-Income Ratio | 40 | $5,988,000 | $149,000 | $754,000 | $42,000 | $189,000 |
| Collateral | 35 | $6,152,000 | $175,000 | $700,000 | $107,000 | $602,000 |
| Other | 16 | $1,671,000 | $104,000 | $325,000 | $44,000 | $105,000 |
| Unverifiable Information | 4 | $816,000 | $204,000 | $417,000 | $169,000 | $328,000 |
| Employment History | 2 | $207,000 | $103,000 | $136,000 | $5,000 | $11,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2013 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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