Central Bank & Trust Company
Mortgage Loan Application
Totals and Details
for 2017
Find mortgage loan statistics, lending data, and loan application totals for Kentucky.
The mortgage statistics and data below are specific to mortgage loan applications for Central Bank & Trust Company.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2022.
| Mortgage Company & Address | Central Bank & Trust Company Po Box 1360 Lexington, KY 40588 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,781 |
| Total Mortgage Loan Application Amount | $348,601,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $11,200,000 |
| Average Applicant Income | $101,333 |
| Highest Applicant Income | $4,004,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in KY, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayette County Kentucky | 719 | $ 142,262,000 | $ 197,000 | $ 135,000 |
| Jefferson County Kentucky | 183 | $ 27,964,000 | $ 152,000 | $ 36,000 |
| Jessamine County Kentucky | 150 | $ 31,997,000 | $ 213,000 | $ 114,000 |
| Scott County Kentucky | 116 | $ 20,347,000 | $ 175,000 | $ 98,000 |
| Clark County Kentucky | 107 | $ 12,889,000 | $ 120,000 | $ 68,000 |
| Madison County Kentucky | 100 | $ 21,981,000 | $ 219,000 | $ 81,000 |
| Kenton County Kentucky | 74 | $ 14,622,000 | $ 197,000 | $ 109,000 |
| Boone County Kentucky | 35 | $ 8,980,000 | $ 256,000 | $ 111,000 |
| Woodford County Kentucky | 32 | $ 5,981,000 | $ 186,000 | $ 102,000 |
| Harrison County Kentucky | 25 | $ 3,517,000 | $ 140,000 | $ 60,000 |
| Garrard County Kentucky | 19 | $ 1,911,000 | $ 100,000 | $ 63,000 |
| Montgomery County Kentucky | 19 | $ 2,399,000 | $ 126,000 | $ 50,000 |
| Hamilton County Ohio | 19 | $ 5,579,000 | $ 293,000 | $ 233,000 |
| Campbell County Kentucky | 16 | $ 2,890,000 | $ 180,000 | $ 68,000 |
| Bourbon County Kentucky | 13 | $ 4,529,000 | $ 348,000 | $ 77,000 |
| Anderson County Kentucky | 9 | $ 1,000,000 | $ 111,000 | $ 60,000 |
| Franklin County Kentucky | 9 | $ 1,176,000 | $ 130,000 | $ 75,000 |
| Mercer County Kentucky | 9 | $ 1,045,000 | $ 116,000 | $ 94,000 |
| Oldham County Kentucky | 7 | $ 2,006,000 | $ 286,000 | $ 162,000 |
| Powell County Kentucky | 7 | $ 740,000 | $ 105,000 | $ 44,000 |
| Clermont County Ohio | 7 | $ 2,068,000 | $ 295,000 | $ 527,000 |
| Boyle County Kentucky | 6 | $ 558,000 | $ 93,000 | $ 41,000 |
| Bath County Kentucky | 5 | $ 477,000 | $ 95,000 | $ 54,000 |
| Shelby County Kentucky | 5 | $ 1,835,000 | $ 367,000 | $ 165,000 |
| Montgomery County Ohio | 5 | $ 15,694,000 | $ 3,138,000 | $ 7,000 |
| Bullitt County Kentucky | 4 | $ 335,000 | $ 83,000 | $ 95,000 |
| Lincoln County Kentucky | 3 | $ 292,000 | $ 97,000 | $ 61,000 |
| Owen County Kentucky | 3 | $ 319,000 | $ 106,000 | $ 84,000 |
| Pulaski County Kentucky | 3 | $ 194,000 | $ 64,000 | $ 65,000 |
| Robertson County Kentucky | 3 | $ 169,000 | $ 56,000 | $ 25,000 |
| Rockcastle County Kentucky | 3 | $ 90,000 | $ 30,000 | $ 57,000 |
| Hillsborough County Florida | 2 | $ 611,000 | $ 305,000 | $ 108,000 |
| Clark County Indiana | 2 | $ 393,000 | $ 196,000 | $ 61,000 |
| Dearborn County Indiana | 2 | $ 300,000 | $ 150,000 | $ 124,000 |
| Floyd County Indiana | 2 | $ 89,000 | $ 44,000 | $ 0 |
| Estill County Kentucky | 2 | $ 225,000 | $ 112,000 | $ 105,000 |
| Grant County Kentucky | 2 | $ 216,000 | $ 108,000 | $ 69,000 |
| Grayson County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 35,000 |
| Hardin County Kentucky | 2 | $ 135,000 | $ 67,000 | $ 103,000 |
| Nicholas County Kentucky | 2 | $ 233,000 | $ 116,000 | $ 30,000 |
| Lawrence County Ohio | 2 | $ 408,000 | $ 204,000 | $ 104,000 |
| Blount County Tennessee | 2 | $ 638,000 | $ 319,000 | $ 74,000 |
| Davidson County Tennessee | 2 | $ 516,000 | $ 258,000 | $ 451,000 |
| Maricopa County Arizona | 1 | $ 210,000 | $ 210,000 | $ 65,000 |
| Clay County Florida | 1 | $ 82,000 | $ 82,000 | $ 37,000 |
| Collier County Florida | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Lee County Florida | 1 | $ 461,000 | $ 461,000 | $ 0 |
| Monroe County Florida | 1 | $ 750,000 | $ 750,000 | $ 1,000,000 |
| Pinellas County Florida | 1 | $ 148,000 | $ 148,000 | $ 79,000 |
| Sarasota County Florida | 1 | $ 150,000 | $ 150,000 | $ 81,000 |
| Allen County Indiana | 1 | $ 150,000 | $ 150,000 | $ 106,000 |
| Johnson County Indiana | 1 | $ 364,000 | $ 364,000 | $ 80,000 |
| Carter County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 37,000 |
| Clay County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 100,000 |
| Fleming County Kentucky | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Greenup County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 234,000 |
| Jackson County Kentucky | 1 | $ 34,000 | $ 34,000 | $ 17,000 |
| Knox County Kentucky | 1 | $ 2,000 | $ 2,000 | $ 60,000 |
| Lawrence County Kentucky | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Marion County Kentucky | 1 | $ 53,000 | $ 53,000 | $ 140,000 |
| Mason County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 215,000 |
| Nelson County Kentucky | 1 | $ 2,000 | $ 2,000 | $ 36,000 |
| Perry County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| Rowan County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 80,000 |
| Trigg County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 43,000 |
| Wayne County Kentucky | 1 | $ 140,000 | $ 140,000 | $ 240,000 |
| Kent County Michigan | 1 | $ 101,000 | $ 101,000 | $ 49,000 |
| Olmsted County Minnesota | 1 | $ 382,000 | $ 382,000 | $ 267,000 |
| Lincoln County North Carolina | 1 | $ 248,000 | $ 248,000 | $ 172,000 |
| Greene County Ohio | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Logan County Ohio | 1 | $ 103,000 | $ 103,000 | $ 73,000 |
| Miami County Ohio | 1 | $ 103,000 | $ 103,000 | $ 29,000 |
| Tuscarawas County Ohio | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Warren County Ohio | 1 | $ 508,000 | $ 508,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 424,000 | $ 424,000 | $ 325,000 |
| Beaufort County South Carolina | 1 | $ 424,000 | $ 424,000 | $ 1,160,000 |
| Horry County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 158,000 |
| York County South Carolina | 1 | $ 154,000 | $ 154,000 | $ 183,000 |
| Campbell County Tennessee | 1 | $ 1,150,000 | $ 1,150,000 | $ 335,000 |
| Claiborne County Tennessee | 1 | $ 424,000 | $ 424,000 | $ 134,000 |
| Hawkins County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 236,000 |
| Northampton County Virginia | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Orange County Virginia | 1 | $ 424,000 | $ 424,000 | $ 334,000 |
| Kanawha County West Virginia | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Bayfield County Wisconsin | 1 | $ 121,000 | $ 121,000 | $ 137,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of Kentucky,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Central Bank & Trust Company in 2017
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 | 1,243 | $257,921,000 | $207,000 | $11,200,000 | $109,000 | $4,004,000 |
| Refinancing | 351 | $79,294,000 | $225,000 | $6,400,000 | $118,000 | $2,384,000 |
| Home Improvement | 187 | $11,386,000 | $60,000 | $1,200,000 | $77,000 | $881,000 |
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 | 1,435 | $275,698,000 | $192,000 | $1,371,000 | $122,000 | $4,004,000 |
| Not applicable | 199 | $51,833,000 | $260,000 | $11,200,000 | $0 | $0 |
| Asian | 43 | $9,397,000 | $218,000 | $828,000 | $166,000 | $606,000 |
| Not Provided | 42 | $4,393,000 | $104,000 | $1,031,000 | $109,000 | $579,000 |
| Black or African American | 38 | $4,332,000 | $114,000 | $370,000 | $69,000 | $234,000 |
| Hispanic | 22 | $2,851,000 | $129,000 | $360,000 | $94,000 | $500,000 |
| American Indian or Alaskan Native | 2 | $97,000 | $48,000 | $92,000 | $40,000 | $64,000 |
| 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) | 1,505 | $306,146,000 | $203,000 | $11,200,000 | $116,000 | $4,004,000 |
| FHA-insured (Federal Housing Administration) | 152 | $22,809,000 | $150,000 | $280,000 | $58,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $8,768,000 | $127,000 | $271,000 | $43,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 55 | $10,878,000 | $197,000 | $445,000 | $80,000 | $1,037,000 |
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 | 1,388 | $298,307,000 | $214,000 | $11,200,000 | $120,000 | $4,004,000 |
| Application Denied By Financial Institution | 126 | $15,153,000 | $120,000 | $1,327,000 | $65,000 | $612,000 |
| Application Withdrawn By Applicant | 124 | $24,006,000 | $193,000 | $744,000 | $111,000 | $579,000 |
| Loan Purchased By The Institution | 117 | $6,623,000 | $56,000 | $424,000 | $0 | $0 |
| Application Approved But Not Accepted | 22 | $4,047,000 | $183,000 | $424,000 | $112,000 | $432,000 |
| File Closed For Incompleteness | 4 | $465,000 | $116,000 | $162,000 | $43,000 | $53,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 47 | $4,248,000 | $90,000 | $1,100,000 | $58,000 | $212,000 |
| Debt-To-Income Ratio | 38 | $5,570,000 | $146,000 | $1,327,000 | $59,000 | $490,000 |
| Collateral | 17 | $2,270,000 | $133,000 | $620,000 | $104,000 | $612,000 |
| Other | 9 | $443,000 | $49,000 | $135,000 | $51,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $796,000 | $159,000 | $235,000 | $75,000 | $138,000 |
| Employment History | 4 | $390,000 | $97,000 | $167,000 | $24,000 | $40,000 |
| Credit Application Incomplete | 3 | $595,000 | $198,000 | $424,000 | $91,000 | $149,000 |
| Unverifiable Information | 3 | $841,000 | $280,000 | $417,000 | $80,000 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in KY, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in Kentucky, and search similar information at your convenience.