Applications / Mortgage Analytics / Lenders / Kentucky / Central Bank & Trust Company
Lexington, KY · State non-member bank · FDIC · $3.9 billion assets · 926 loans in 2025
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926
loans originated, 2025
1,155
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Bank & Trust Company is the fourth-largest lender in Lexington-Fayette, where it has lent since before 1990, but its share there fell 0.9 points to 3.9% as its originations fell 8%.
It ranked 4 of 389 lenders in Lexington-Fayette, behind Guardian Savings Bank, Rocket Mortgage and University of Kentucky Federal Credit Union. Its dollar volume still rose, to $244.6 million, as its typical loan grew to $205,000 from $165,000; the lower share is possibly faster growth by other lenders rather than a pull-back. It gained 0.4 points in Elizabethtown, to 0.5%.
Originations fell 8% to 926, against growth of 10% at similar lenders (state non-member banks making between half and twice as many loans) and in the whole market. They were 2,795 in 2021 and 1,738 in 2018.
Purchases were 47.3% of its loans; home-improvement loans 20.3%, other-purpose loans 16.6% and refinances 15.8%. Conventional loans were 96.0%, with FHA loans (insured by the Federal Housing Administration) at 2.9%, against 0.3% at peers. Jumbo loans (larger than the conforming limit) were 3.5%, down from 7.1% five years before.
It turned down 2.8% of first-lien purchase applications on owner-occupied homes, against 5.9% at peers, lower than about four in five of them. Higher-priced loans (a rate well above the average for similar loans) were 0.9%, against 1.5%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central Bank & Trust Company took 1,155 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.3% · Home improvement 20.3% · Other 16.6% · Refinance 15.8%
Conventional 96.0% · FHA 2.9% · VA 0.9% · USDA (RHS or FSA) 0.2% · of 926 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 882 | 95.2% |
| Indiana | 19 | 2.1% |
| Ohio | 10 | 1.1% |
| Florida | 7 | 0.8% |
| Missouri | 2 | 0.2% |
| Alabama | 1 | 0.1% |
| Georgia | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| New Jersey | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 524 |
| Louisville/Jefferson County | 144 |
| Cincinnati | 99 |
| Elizabethtown | 3 |
| Huntington-Ashland | 2 |
| North Port-Bradenton-Sarasota | 2 |
| Orlando-Kissimmee-Sanford | 2 |
| Punta Gorda | 2 |
| St. Louis | 2 |
| Asheville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C5GU86M1X2DG56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1007015 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315815 | 1990–2017 |
Established 15 April 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Central Bank & Trust Company's data.
Central Bank & Trust Company's data
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Central Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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