Lender in Kentucky · HMDA 2025
Central Bank & Trust Company mortgages in Kentucky
Central Bank & Trust Company's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Central Bank & Trust Company originated 337 owner-occupied single-family loans in Kentucky from 361 completed applications.
Its median conventional purchase loan costs were $2,850 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.375% (Kentucky: 6.625%).
Loans in KY
337
of 361 applications
Denial rate
2.6%
Purchase · KY 8.2%
Rate spread
−0.22 pts
Conv. · KY +0.21 pts
Loan amount
$295,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 308 | 293 | 2.6% | 6.375% | −0.22 pts | $2,850 | $295,000 |
| Refinance | 37 | 31 | 16.2% | — | −0.29 pts | $2,600 | $405,000 |
| Cash-out refinance | 16 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Central Bank & Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Harrison County | 3 | 10 | 5.6% |
| Jessamine County | 6 | 34 | 4.1% |
| Fayette County | 7 | 137 | 3.8% |
| Scott County | 7 | 34 | 2.8% |
| Woodford County | 9 | 8 | 2.3% |
| Bourbon County | 9 | 5 | 2.2% |
| Clark County | 11 | 13 | 2.4% |
| Madison County | 14 | 25 | 1.7% |
| Anderson County | 16 | 5 | 1.4% |
| Rockcastle County | 16 | 2 | 2.0% |
| Washington County | 16 | 2 | 1.9% |
| Nicholas County | 17 | 1 | 1.7% |
| Montgomery County | 19 | 4 | 1.1% |
| Owen County | 19 | 2 | 1.4% |
| Franklin County | 22 | 8 | 1.1% |
| Garrard County | 25 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology