Central Bank & Trust Co Mortgage Lending & HMDA Data, 2019
In 2019, Central Bank & Trust Co of Lexington, KY reported 2,230 mortgage applications totaling $428.0 million, up 6% from 2018. The average application was for $191,926, and applicants reported an average income of $146,368. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (1,390), Cincinnati, OH-KY-IN (261) and Louisville/Jefferson County, KY-IN (218) (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 | 2,230 |
| Total Mortgage Loan Application Amount | $427,995,000 |
| Average Mortgage Loan Application Amount | $191,926 |
| Highest Mortgage Loan Application Amount | $4,285,000 |
| Average Applicant Income | $146,368 |
| Highest Applicant Income | $3,121,000 |
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(HMDA) records Central Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 1,011 | $234,320,000 | $232,000 | $4,285,000 | $147,000 | $3,018,000 |
| Refinancing | 578 | $115,550,000 | $199,000 | $1,575,000 | $162,000 | $3,121,000 |
| Other Purpose | 305 | $27,335,000 | $89,000 | $1,005,000 | $136,000 | $2,052,000 |
| Cash-out Refinancing | 177 | $40,795,000 | $230,000 | $555,000 | $118,000 | $531,000 |
| Home Improvement | 159 | $9,995,000 | $62,000 | $865,000 | $137,000 | $817,000 |
| 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 | 1,945 | $376,005,000 | $193,000 | $4,285,000 | $146,000 | $3,121,000 |
| Not Provided | 87 | $10,715,000 | $123,000 | $1,125,000 | $140,000 | $848,000 |
| Not applicable | 65 | $19,245,000 | $296,000 | $3,365,000 | $0 | $0 |
| Black or African American | 53 | $6,550,000 | $125,000 | $565,000 | $102,000 | $406,000 |
| Asian | 42 | $9,950,000 | $236,000 | $1,065,000 | $220,000 | $1,030,000 |
| Hispanic | 30 | $4,780,000 | $159,000 | $385,000 | $143,000 | $485,000 |
| American Indian or Alaskan Native | 2 | $100,000 | $50,000 | $65,000 | $124,000 | $153,000 |
| 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) | 2,051 | $393,710,000 | $192,000 | $4,285,000 | $152,000 | $3,121,000 |
| FHA-insured (Federal Housing Administration) | 85 | $13,915,000 | $163,000 | $325,000 | $71,000 | $469,000 |
| VA-guaranteed (Veterans Administration) | 53 | $14,445,000 | $272,000 | $705,000 | $96,000 | $284,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,925,000 | $144,000 | $255,000 | $51,000 | $79,000 |
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 | 1,809 | $357,575,000 | $197,000 | $4,285,000 | $152,000 | $3,121,000 |
| Application Denied By Financial Institution | 203 | $26,340,000 | $130,000 | $805,000 | $86,000 | $398,000 |
| Application Withdrawn By Applicant | 186 | $38,340,000 | $206,000 | $1,145,000 | $150,000 | $1,030,000 |
| Application Approved But Not Accepted | 30 | $5,030,000 | $167,000 | $1,015,000 | $150,000 | $650,000 |
| File Closed For Incompleteness | 1 | $365,000 | $365,000 | $365,000 | $267,000 | $267,000 |
| Loan Purchased By The Institution | 1 | $345,000 | $345,000 | $345,000 | $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 | 2,027 | $401,655,000 | $198,000 | $4,285,000 | $152,000 | $3,121,000 |
| Credit History | 78 | $6,950,000 | $89,000 | $375,000 | $94,000 | $348,000 |
| Debt-To-Income Ratio | 67 | $8,740,000 | $132,000 | $485,000 | $55,000 | $228,000 |
| Collateral | 18 | $3,800,000 | $211,000 | $805,000 | $114,000 | $389,000 |
| Credit Application Incomplete | 18 | $3,810,000 | $211,000 | $705,000 | $134,000 | $398,000 |
| Other | 12 | $2,020,000 | $168,000 | $355,000 | $88,000 | $195,000 |
| Employment History | 5 | $105,000 | $21,000 | $35,000 | $80,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $560,000 | $280,000 | $315,000 | $107,000 | $108,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $135,000 | $35,000 | $48,000 |
| Mortgage Insurance Denied | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust Co's 2019 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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