Central Bank & Trust Co Mortgage Lending & HMDA Data, 2018
In 2018, Central Bank & Trust Co of Lexington, KY reported 2,108 mortgage applications totaling $526.4 million, up 18% from 2017. The average application was for $249,715, and applicants reported an average income of $137,308. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (1,384), Louisville/Jefferson County, KY-IN (226) and Cincinnati, OH-KY-IN (201) (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 | 2,108 |
| Total Mortgage Loan Application Amount | $526,400,000 |
| Average Mortgage Loan Application Amount | $249,715 |
| Highest Mortgage Loan Application Amount | $52,755,000 |
| Average Applicant Income | $137,308 |
| Highest Applicant Income | $3,750,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 1,035 | $374,385,000 | $361,000 | $52,755,000 | $127,000 | $3,750,000 |
| Refinancing | 405 | $84,235,000 | $207,000 | $6,005,000 | $181,000 | $2,707,000 |
| Other Purpose | 370 | $30,280,000 | $81,000 | $575,000 | $138,000 | $2,170,000 |
| Home Improvement | 168 | $10,570,000 | $62,000 | $665,000 | $112,000 | $750,000 |
| Cash-out Refinancing | 130 | $26,930,000 | $207,000 | $575,000 | $114,000 | $2,100,000 |
| 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 | 1,792 | $318,520,000 | $177,000 | $6,005,000 | $138,000 | $3,750,000 |
| Not applicable | 98 | $178,530,000 | $1,821,000 | $52,755,000 | $0 | $0 |
| Not Provided | 79 | $7,645,000 | $96,000 | $625,000 | $107,000 | $650,000 |
| Black or African American | 68 | $9,700,000 | $142,000 | $805,000 | $124,000 | $2,237,000 |
| Hispanic | 29 | $3,945,000 | $136,000 | $645,000 | $116,000 | $528,000 |
| Asian | 29 | $6,345,000 | $218,000 | $735,000 | $193,000 | $870,000 |
| American Indian or Alaskan Native | 3 | $65,000 | $21,000 | $35,000 | $45,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $270,000 | $135,000 | $245,000 | $89,000 | $148,000 |
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) | 1,917 | $492,625,000 | $256,000 | $52,755,000 | $145,000 | $3,750,000 |
| FHA-insured (Federal Housing Administration) | 113 | $17,885,000 | $158,000 | $295,000 | $62,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 45 | $11,375,000 | $252,000 | $575,000 | $93,000 | $268,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $4,515,000 | $136,000 | $255,000 | $48,000 | $73,000 |
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 | 1,738 | $471,890,000 | $271,000 | $52,755,000 | $143,000 | $3,750,000 |
| Application Denied By Financial Institution | 187 | $19,795,000 | $105,000 | $685,000 | $75,000 | $404,000 |
| Application Withdrawn By Applicant | 143 | $27,505,000 | $192,000 | $1,205,000 | $145,000 | $2,100,000 |
| Application Approved But Not Accepted | 37 | $6,855,000 | $185,000 | $665,000 | $172,000 | $1,517,000 |
| File Closed For Incompleteness | 2 | $270,000 | $135,000 | $205,000 | $100,000 | $164,000 |
| Loan Purchased By The Institution | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,921 | $506,605,000 | $263,000 | $52,755,000 | $144,000 | $3,750,000 |
| Credit History | 76 | $6,120,000 | $80,000 | $555,000 | $72,000 | $321,000 |
| Debt-To-Income Ratio | 60 | $6,120,000 | $102,000 | $625,000 | $55,000 | $182,000 |
| Other | 15 | $2,075,000 | $138,000 | $575,000 | $124,000 | $404,000 |
| Collateral | 14 | $2,100,000 | $150,000 | $335,000 | $85,000 | $144,000 |
| Credit Application Incomplete | 7 | $1,895,000 | $270,000 | $685,000 | $173,000 | $265,000 |
| Employment History | 6 | $380,000 | $63,000 | $145,000 | $59,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,000,000 | $166,000 | $285,000 | $65,000 | $103,000 |
| Unverifiable Information | 3 | $105,000 | $35,000 | $85,000 | $114,000 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2018 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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