# Central Bank & Trust Company

> **Canonical URL:** https://saferate.com/lenders/central-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Central Bank & Trust Company is a bank, headquartered in Lexington, KY, serving borrowers across 8 states, with 332 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300C5GU86M1X2DG56
- **Headquarters:** Lexington, KY
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** CO, FL, IN, KY, NC, OH, SC, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.089%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $403
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 332
- **Dollar Volume:** $124 million
- **Applications Received:** 417
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $373,795
- **Average Borrower Income:** $207,696
- **Average Property Value:** $505,693

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 292 | -0.108% | $431 | Strong 😀 |
| FHA | 51/100 | 16 | +0.202% | $223 | Sound ☺️ |
| Jumbo | 70/100 | 19 | +0.072% | $194 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 259 loans, Score: 64/100 (Strong)
- Refinance: 33 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 296 | $114M | -0.115% | Strong 😀 |
| Refinance | 50/100 | 36 | $10M | +0.118% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 321 | 0.69% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lexington | KY | 220 | 96/100 |
| Non |  | 61 | 48/100 |
| Louisville/Jefferson County, KY | KY-IN | 22 | 53/100 |
| Cincinnati, OH |  | 21 | 52/100 |

## Where This Lender Ranks

Central Bank & Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kentucky Banks
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks)
- 🥇 **#1** in Lexington
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders)
- 🥇 **#1** in Lexington Banks
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks)
- 🥇 **#1** in Lexington for Conventional Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Lexington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Lexington for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Lexington for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Kentucky for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Kentucky for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Kentucky for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Kentucky
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders)
- 🏆 **#5** in Kentucky for Conventional Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Lexington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#16** in Lexington for FHA Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Kentucky for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Central Bank & Trust Company offer?

Central Bank & Trust Company offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Central Bank & Trust Company offer mortgages?

Central Bank & Trust Company offers mortgages in 8 states: CO, FL, IN, KY, NC, OH, SC, TN.

### How competitive are Central Bank & Trust Company's mortgage rates?

Central Bank & Trust Company has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.089% below market average.

### What type of lender is Central Bank & Trust Company?

Central Bank & Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lexington, KY.

### What is Central Bank & Trust Company's loan approval success rate?

Central Bank & Trust Company has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/central-bank-trust

### How to Cite

> "Central Bank & Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/central-bank-trust

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