Central Bank & Trust in Kentucky vs the state
9.0%Denial rate-9.83 pts vs state
9.9%Decision denial rate-13.64 pts vs state
80.0%Origination rate+22.00 pts vs state
7.25%Median rate+0.50 pts vs state
0.18Rate spread (pts)-0.13 pts vs state
$133kMedian applicant income
882Loans originated
99Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,255 | 1,034 | 9.3% | 7.00% | #30 |
| 2024 | 1,181 | 957 | 9.6% | 7.99% | #37 |
| 2025 | 1,102 | 882 | 9.0% | 7.25% | #38 |
What Central Bank & Trust lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Central Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 400 | 328 | 32 | 8.0% |
| Jefferson County | 114 | 89 | 11 | 9.6% |
| Jessamine County | 93 | 73 | 10 | 10.8% |
| Madison County | 79 | 66 | 5 | 6.3% |
| Scott County | 77 | 62 | 9 | 11.7% |
| Kenton County | 56 | 46 | 4 | 7.1% |
| Clark County | 56 | 40 | 4 | 7.1% |
| Boone County | 30 | 27 | 2 | 6.7% |
| Oldham County | 25 | 20 | 4 | 16.0% |
| Harrison County | 23 | 12 | 3 | 13.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 1,102 applications in 2025, of which 882 were originated and 99 denied.
9.0% of all applications, or 9.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Central Bank & Trust originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Central Bank & Trust's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology