Central Bank & Trust Company
Central Bank & Trust Company received 1,155 applications in 2025 and made 926 mortgages, in 70 counties across 13 states. The median rate its borrowers got was 7.250% on a median loan of $205,000. Of 1,054 decisions, 104 were denials — 9.9%, most often for credit history.
| Legal Entity Identifier | 549300C5GU86M1X2DG56 |
|---|---|
| Applications received | 1,155 |
| Mortgages made | 926 |
| Denied | 104 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 101 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 0.18 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 438 | 6.625% | $275,000 | 3.1% |
| Refinancing | 131 | 7.500% | $205,000 | 13.1% |
| Cash-out refinancing | 15 | 6.500% | $215,000 | 25.0% |
| Other purposes | 342 | 7.500% | $75,000 | 15.4% |
Where Central Bank & Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fayette County, KY | 328 | 7.000% | 8.6% |
| Jefferson County, KY | 89 | 7.500% | 10.5% |
| Jessamine County, KY | 73 | 7.000% | 11.9% |
| Madison County, KY | 66 | 7.500% | 6.9% |
| Scott County, KY | 62 | 7.000% | 12.7% |
| Kenton County, KY | 46 | 7.500% | 8.0% |
| Clark County, KY | 40 | 7.500% | 8.9% |
| Boone County, KY | 27 | 7.500% | 6.9% |
| Oldham County, KY | 20 | 7.500% | 16.0% |
| Woodford County, KY | 14 | 6.938% | 6.7% |
| Franklin County, KY | 12 | 6.725% | 7.7% |
| Harrison County, KY | 12 | 6.500% | 18.8% |
| Campbell County, KY | 10 | 7.500% | 9.1% |
| Garrard County, KY | 10 | 7.375% | 9.1% |
| Montgomery County, KY | 9 | Under 10 loans | 10.0% |
| Floyd County, IN | 8 | Under 10 loans | 11.1% |
| Anderson County, KY | 8 | Under 10 loans | 0.0% |
| Bullitt County, KY | 8 | Under 10 loans | 27.3% |
| Bourbon County, KY | 7 | Under 10 loans | 0.0% |
| Hamilton County, OH | 7 | Under 10 loans | 12.5% |
| Clark County, IN | 5 | Under 10 loans | 16.7% |
| Grant County, KY | 5 | Under 10 loans | 0.0% |
| Shelby County, KY | 5 | Under 10 loans | 0.0% |
| Harrison County, IN | 4 | Under 10 loans | 0.0% |
| Hardin County, KY | 3 | Under 10 loans | 0.0% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 2 | Under 10 loans | 0.0% |
| Bath County, KY | 2 | Under 10 loans | 33.3% |
| Boyd County, KY | 2 | Under 10 loans | 0.0% |
| Boyle County, KY | 2 | Under 10 loans | 0.0% |
| Estill County, KY | 2 | Under 10 loans | 50.0% |
| Mercer County, KY | 2 | Under 10 loans | 0.0% |
| Owen County, KY | 2 | Under 10 loans | 0.0% |
| Rockcastle County, KY | 2 | Under 10 loans | 33.3% |
| Spencer County, KY | 2 | Under 10 loans | 0.0% |
| Washington County, KY | 2 | Under 10 loans | 0.0% |
| Elmore County, AL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Washington County, IN | 1 | Under 10 loans | 50.0% |
| Floyd County, KY | 1 | Under 10 loans | 0.0% |
| Gallatin County, KY | 1 | Under 10 loans | 0.0% |
| Henry County, KY | 1 | Under 10 loans | 0.0% |
| Laurel County, KY | 1 | Under 10 loans | 0.0% |
| Lincoln County, KY | 1 | Under 10 loans | 0.0% |
| McCreary County, KY | 1 | Under 10 loans | 0.0% |
| Nelson County, KY | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.