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The Lender Report built this page from public records. Central Bank & Trust Co. has not reviewed it. Every lender's page starts this way, and it says nothing about Central Bank & Trust Co. itself. Each figure shows its source and date. Work at Central Bank & Trust Co.? You can claim this page for free.
Multifamily record
Central Bank & Trust Co.: multifamily loans made
Central Bank & Trust Co., a bank based in Lexington, KY, made 10 multifamily loans in 2024 and 2025, $15.9M in all, in 2 states. The typical loan was about $500K, and the largest about $4.9M. Most were in Fayette County, KY.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 9, 2026
- Multifamily loans
- 10
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $15.9M
- HMDA,
- Rounded amounts
- Typical loan
- $500K
- HMDA,
- Largest loan
- $4.9M
- HMDA,
- Rounded to 2 significant figures
- States
- 2
- HMDA,
Cite this
Source: The Lender Report, Central Bank & Trust Co.: multifamily loans made, https://lender.report/lender/central-bank-and-trust-ky/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Kenton County, KY | Improvement, 25 to 49 units | $4.9M | 7.5% | 3 yr | 80% | HMDA 2025 |
| 2025 | Franklin County, KY | Purchase, 50 to 99 units | $4.3M | 7% | 5 yr | 75% | HMDA 2025 |
| 2025 | Hardin County, KY | Purchase, 50 to 99 units | $3.9M | 7% | 5 yr | 75% | HMDA 2025 |
| 2025 | Fayette County, KY | Purchase, 5 to 24 units | $900K | 7.5% | 2 yr | 72% | HMDA 2025 |
| 2025 | Jefferson County, KY | Purchase, 5 to 24 units | $500K | 7.5% | 5 yr | 58% | HMDA 2025 |
| 2025 | Hamilton County, OH | Refinance, 5 to 24 units | $460K | 7.5% | 5 yr | 47% | HMDA 2025 |
| 2025 | Fayette County, KY | Refinance, 5 to 24 units | $280K | 7.75% | 5 yr | 70% | HMDA 2025 |
| 2025 | Scott County, KY | Refinance, 5 to 24 units | $200K | 7.88% | 5 yr | 58% | HMDA 2025 |
| 2024 | Jefferson County, KY | Refinance, 5 to 24 units | $260K | 8.5% | 5 yr | 24% | HMDA 2024 |
| 2024 | Scott County, KY | Purchase, 5 to 24 units | $200K | 8.83% | 3 yr | 67% | HMDA 2024 |
| 10 multifamily loans made in 2024 and 2025 | $15.9M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Fayette County, KY | County | 2 | $1.18M |
| Jefferson County, KY | County | 2 | $760K |
| Scott County, KY | County | 2 | $400K |
| Franklin County, KY | County | 1 | $4.30M |
| Hamilton County, OH | County | 1 | $460K |
| Hardin County, KY | County | 1 | $3.90M |
| Kenton County, KY | County | 1 | $4.90M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 7 | $2.80M |
| $1M to $2.5M | 0 | $0 |
| $2.5M to $5M | 3 | $13.1M |
| $5M to $10M | 0 | $0 |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 2 | $460K | $260K |
| 2025 | 8 | $15.4M | $900K |
| Purpose | Loans |
|---|---|
| Purchase | 5 |
| Refinance | 4 |
| Improvement | 1 |
| Units | Loans |
|---|---|
| 5 to 24 units | 7 |
| 25 to 49 units | 1 |
| 50 to 99 units | 2 |
- Central Bank & Trust Co. made 10 multifamily loans totaling $15.9M in 2024 and 2025, in 7 named places across 2 states. HMDA,
- It made 8 of them in 2025 and 2 in 2024. HMDA,
- The typical loan was about $500K, with the middle half between $260K and $3.9M. HMDA,
- The largest was about $4.9M. Every amount is rounded to 2 significant figures. HMDA,
- 7 loans were under $1M, and 0 were $5M or more. HMDA,
- It reported a median rate of 7.50% on 10 loans, with the middle half between 7.50% and 7.88%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 70%. HMDA,
- 40% of the loans were refinancings and 50% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 7 loans. HMDA,
- Its loans were most often in Fayette County, KY (2), Jefferson County, KY (2) and Scott County, KY (2). HMDA,
What we don't know
- Whether Central Bank & Trust Co. is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.