Lender profile · HMDA 2023–2025
Central Bank & Trust Co. mortgage approval rates & lending data
Central Bank & Trust Co. decided 1,553 mortgage applications and funded 1,416 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 584 / 602 | 98% | $325K | 573 |
| Home improvement loans | 86% | 297 / 347 | 97% | $65K | 289 |
| Cash-out refinance | 74% | 28 / 38 | 100% | $155K | 28 |
| Refinance | 93% | 361 / 388 | 98% | $115K | 355 |
| Investment property purchase | 98% | 122 / 125 | 100% | $225K | 122 |
| Investment refinance | 96% | 25 / 26 | 100% | $195K | 25 |
Central Bank & Trust Co. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 93% | $195K | 1,473 | 1,340 |
| Ohio | 100% | $195K | 28 | 28 |
| Indiana | 91% | $115K | 23 | 21 |
| Florida | 93% | $255K | 14 | 13 |
| South Carolina | 100% | $825K | 4 | 3 |
| Tennessee | 100% | $605K | 4 | 4 |
| Georgia | 100% | $395K | 2 | 2 |
| Missouri | 100% | $95K | 2 | 2 |
| Colorado | 100% | $505K | 1 | 1 |
| New Jersey | 100% | $85K | 1 | 1 |
| North Carolina | 100% | $385K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.