Central Bank & Trust Co. mortgage approval rate & lending review
Central Bank & Trust Co. decided 1,553 mortgage applications and funded 1,416 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Central Bank & Trust Co. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Central Bank & Trust Co. at a glance
Approval is 14.8 points above the 78.0% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Central Bank & Trust Co. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fayette County, KY | Mortgage lenders | 98% | 457 | 440 |
| Fayette County, KY | Refinance | 92% | 221 | 200 |
| Fayette County, KY | Home improvement loans | 83% | 191 | 154 |
| Jefferson County, KY | Home improvement loans | 86% | 98 | 81 |
| Fayette County, KY | Investment property purchase | 96% | 82 | 79 |
| Jefferson County, KY | Refinance | 91% | 74 | 67 |
| Kenton County, KY | Refinance | 96% | 48 | 44 |
| Kenton County, KY | Mortgage lenders | 97% | 39 | 37 |
| Boone County, KY | Refinance | 100% | 30 | 30 |
| Kenton County, KY | Home improvement loans | 92% | 26 | 24 |
| Fayette County, KY | Cash-out refinance | 75% | 24 | 18 |
The county markets where Central Bank & Trust Co. made the most loans. Each link opens that market with every lender ranked.
Questions about Central Bank & Trust Co.
What is Central Bank & Trust Co.'s mortgage approval rate?
Central Bank & Trust Co. approved 92.8% of the 1,553 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.8 points above the 78.0% national rate for the same mix of loan types.
How often do borrowers take the loan Central Bank & Trust Co. offers?
Borrowers accepted 98% of the loans Central Bank & Trust Co. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Central Bank & Trust Co. make?
The typical home purchase mortgage loan Central Bank & Trust Co. made was $325K; across all loan types its typical loan ran from $65K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Central Bank & Trust Co. lend?
Central Bank & Trust Co. decided applications in 11 of the states Fat Boy Data covers, most of them in Kentucky, Ohio and Indiana.
Can I apply to Central Bank & Trust Co. directly?
Yes. Central Bank & Trust Co. is a bank or credit union with 29 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Central Bank & Trust Co.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Central Bank & Trust Co. treats applications, then get a rate quote from the lender.