Lenders › Central Bank & Trust Co › Kentucky
Central Bank & Trust Co in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Kentucky, Central Bank & Trust Co reported 1,181 applications and 957 originations for 2024, $216m in all.
Its denial rate in the state was 10.4%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 10.6%.
The median rate spread on its Kentucky originations was -0.0 percentage points (state median 0.4).
Applications in the state were down 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Central Bank & Trust Co, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.4% | 25.0% | 10.6% | 24.3% |
| Median rate spread, pp | -0.0 | 0.4 | -0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.9% | 16.0% | 1.8% | 15.6% |
| Average originated loan | $226k | $219k | $230k | $329k |
| Home purchase share | 42.9% | 55.3% | 42.4% | 57.0% |
| FHA-insured share | 2.1% | 14.6% | 2.0% | 13.4% |
| VA-guaranteed share | 0.4% | 8.0% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 43% (411)Home improvement 17% (158)Refinancing 22% (212)Cash-out refinancing 1% (10)Other purpose 17% (166)
By type
Conventional 97% (932)FHA 2% (20)VA 0% (4)USDA 0% (1)
Denial reasons as coded
Share of 113 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fayette County | 456 | 375 | $104m | 8.6% |
| Jefferson County | 145 | 116 | $22m | 14.6% |
| Scott County | 87 | 62 | $10m | 19.5% |
| Jessamine County | 75 | 60 | $16m | 10.4% |
| Madison County | 69 | 59 | $11m | 6.3% |
| Clark County | 57 | 45 | $8.0m | 15.1% |
| Kenton County | 54 | 44 | $8.1m | 10.0% |
| Boone County | 36 | 33 | $7.7m | 2.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Central Bank & Trust Co originate in Kentucky in 2024?
957 loans totalling $216m, from 1,181 applications reported for properties in Kentucky.
What is Central Bank & Trust Co's denial rate in Kentucky?
10.4% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 10.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kentucky counties does Central Bank & Trust Co lend in most?
By originations: Fayette County (375), Jefferson County (116), Scott County (62), Jessamine County (60), Madison County (59).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.