Commonwealth Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Commonwealth Bank And Trust Company 2008 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Commonwealth Bank And Trust Company 4912 U S Hwy 42 Louisville, KY 40222 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 911 |
| Total Mortgage Loan Application Amount | $171,117,000 |
| Average Mortgage Loan Application Amount | $171,666 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $109,666 |
| Highest Applicant Income | $3,894,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Commonwealth Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Commonwealth Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Commonwealth Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Commonwealth Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Commonwealth Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Commonwealth Bank And Trust Company's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Kentucky | 477 | $ 96,391,000 | $ 202,000 | $ 109,000 |
| Shelby County Kentucky | 170 | $ 26,532,000 | $ 156,000 | $ 67,000 |
| Hardin County Kentucky | 50 | $ 7,948,000 | $ 158,000 | $ 56,000 |
| Oldham County Kentucky | 45 | $ 9,886,000 | $ 219,000 | $ 103,000 |
| Bullitt County Kentucky | 24 | $ 2,917,000 | $ 121,000 | $ 60,000 |
| Spencer County Kentucky | 24 | $ 3,846,000 | $ 160,000 | $ 43,000 |
| Clark County Indiana | 16 | $ 4,215,000 | $ 263,000 | $ 47,000 |
| Henry County Kentucky | 14 | $ 2,024,000 | $ 144,000 | $ 71,000 |
| Meade County Kentucky | 9 | $ 1,265,000 | $ 140,000 | $ 62,000 |
| Floyd County Indiana | 8 | $ 993,000 | $ 124,000 | $ 118,000 |
| Nelson County Kentucky | 7 | $ 728,000 | $ 104,000 | $ 50,000 |
| Larue County Kentucky | 6 | $ 624,000 | $ 104,000 | $ 51,000 |
| Franklin County Kentucky | 5 | $ 456,000 | $ 91,000 | $ 55,000 |
| Lee County Florida | 4 | $ 2,517,000 | $ 629,000 | $ 305,000 |
| Harrison County Indiana | 3 | $ 361,000 | $ 120,000 | $ 53,000 |
| Anderson County Kentucky | 3 | $ 282,000 | $ 94,000 | $ 57,000 |
| Boone County Kentucky | 3 | $ 769,000 | $ 256,000 | $ 91,000 |
| Fayette County Kentucky | 3 | $ 275,000 | $ 91,000 | $ 56,000 |
| Trimble County Kentucky | 2 | $ 197,000 | $ 98,000 | $ 129,000 |
| Union County Ohio | 2 | $ 318,000 | $ 159,000 | $ 45,000 |
| Pima County Arizona | 1 | $ 272,000 | $ 272,000 | $ 760,000 |
| San Diego County California | 1 | $ 515,000 | $ 515,000 | $ 206,000 |
| Hartford County Connecticut | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| District of Columbia County District Of Columbia | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Bay County Florida | 1 | $ 206,000 | $ 206,000 | $ 113,000 |
| Manatee County Florida | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Orange County Florida | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Palm Beach County Florida | 1 | $ 320,000 | $ 320,000 | $ 139,000 |
| Santa Rosa County Florida | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Sarasota County Florida | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Cook County Illinois | 1 | $ 680,000 | $ 680,000 | $ 351,000 |
| Hamilton County Indiana | 1 | $ 177,000 | $ 177,000 | $ 57,000 |
| Breckinridge County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 40,000 |
| Carroll County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 34,000 |
| Cumberland County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 21,000 |
| Edmonson County Kentucky | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Gallatin County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 66,000 |
| Grayson County Kentucky | 1 | $ 180,000 | $ 180,000 | $ 101,000 |
| Green County Kentucky | 1 | $ 315,000 | $ 315,000 | $ 71,000 |
| Mercer County Kentucky | 1 | $ 181,000 | $ 181,000 | $ 60,000 |
| Rowan County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 43,000 |
| Russell County Kentucky | 1 | $ 189,000 | $ 189,000 | $ 69,000 |
| Taylor County Kentucky | 1 | $ 137,000 | $ 137,000 | $ 70,000 |
| Warren County Kentucky | 1 | $ 123,000 | $ 123,000 | $ 78,000 |
| Orleans County Louisiana | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Knox County Maine | 1 | $ 434,000 | $ 434,000 | $ 1,351,000 |
| Emmet County Michigan | 1 | $ 700,000 | $ 700,000 | $ 264,000 |
| Avery County North Carolina | 1 | $ 480,000 | $ 480,000 | $ 500,000 |
| Davidson County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 295,000 |
| Sevier County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 235,000 |
| Richmond City County Virginia | 1 | $ 156,000 | $ 156,000 | $ 58,000 |
| Fremont County Wyoming | 1 | $ 282,000 | $ 282,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for Commonwealth Bank And Trust Company in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 530 | $93,172,000 | $175,000 | $1,850,000 | $98,000 | $3,894,000 |
| Refinancing | 358 | $74,918,000 | $209,000 | $3,000,000 | $85,000 | $1,269,000 |
| Home Improvement | 23 | $3,027,000 | $131,000 | $825,000 | $146,000 | $525,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 764 | $145,016,000 | $189,000 | $3,000,000 | $103,000 | $3,894,000 |
| Not applicable | 46 | $11,731,000 | $255,000 | $1,400,000 | $0 | $0 |
| Black or African American | 46 | $6,450,000 | $140,000 | $304,000 | $57,000 | $139,000 |
| Not Provided | 24 | $3,196,000 | $133,000 | $240,000 | $81,000 | $307,000 |
| Asian | 18 | $3,117,000 | $173,000 | $417,000 | $91,000 | $204,000 |
| Hispanic | 11 | $1,293,000 | $117,000 | $296,000 | $32,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $314,000 | $157,000 | $177,000 | $80,000 | $97,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 666 | $136,732,000 | $205,000 | $3,000,000 | $109,000 | $3,894,000 |
| FHA-insured (Federal Housing Administration) | 194 | $25,260,000 | $130,000 | $272,000 | $50,000 | $432,000 |
| VA-guaranteed (Veterans Administration) | 50 | $9,021,000 | $180,000 | $405,000 | $64,000 | $179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $104,000 | $104,000 | $104,000 | $43,000 | $43,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 665 | $127,709,000 | $192,000 | $3,000,000 | $102,000 | $3,894,000 |
| Application Withdrawn By Applicant | 125 | $20,699,000 | $165,000 | $417,000 | $81,000 | $552,000 |
| Application Denied By Financial Institution | 88 | $15,043,000 | $170,000 | $1,600,000 | $58,000 | $250,000 |
| Application Approved But Not Accepted | 29 | $7,002,000 | $241,000 | $2,088,000 | $89,000 | $306,000 |
| Preapproval Denied by Financial Institution | 4 | $664,000 | $166,000 | $335,000 | $34,000 | $87,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $40,000 | $40,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commonwealth Bank And Trust Company's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Commonwealth Bank And Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.