Commonwealth Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Commonwealth Bank And Trust Company 2016 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 | 4,428 |
| Total Mortgage Loan Application Amount | $747,209,000 |
| Average Mortgage Loan Application Amount | $163,333 |
| Highest Mortgage Loan Application Amount | $7,785,000 |
| Average Applicant Income | $85,666 |
| Highest Applicant Income | $1,603,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 2,323 | $ 402,724,000 | $ 173,000 | $ 85,000 |
| Hardin County Kentucky | 324 | $ 46,818,000 | $ 144,000 | $ 58,000 |
| Bullitt County Kentucky | 307 | $ 49,859,000 | $ 162,000 | $ 68,000 |
| Oldham County Kentucky | 205 | $ 47,952,000 | $ 233,000 | $ 99,000 |
| Shelby County Kentucky | 174 | $ 30,720,000 | $ 176,000 | $ 84,000 |
| Daviess County Kentucky | 134 | $ 13,017,000 | $ 97,000 | $ 52,000 |
| Franklin County Ohio | 74 | $ 9,490,000 | $ 128,000 | $ 69,000 |
| Montgomery County Ohio | 66 | $ 5,408,000 | $ 81,000 | $ 56,000 |
| Spencer County Kentucky | 58 | $ 10,404,000 | $ 179,000 | $ 70,000 |
| Meade County Kentucky | 51 | $ 8,001,000 | $ 156,000 | $ 64,000 |
| Clark County Indiana | 49 | $ 6,693,000 | $ 136,000 | $ 65,000 |
| Anderson County Kentucky | 47 | $ 6,690,000 | $ 142,000 | $ 68,000 |
| Floyd County Indiana | 46 | $ 6,812,000 | $ 148,000 | $ 78,000 |
| Kenton County Kentucky | 35 | $ 6,093,000 | $ 174,000 | $ 96,000 |
| Boone County Kentucky | 33 | $ 7,721,000 | $ 233,000 | $ 137,000 |
| Nelson County Kentucky | 32 | $ 4,537,000 | $ 141,000 | $ 51,000 |
| Marion County Ohio | 28 | $ 3,182,000 | $ 113,000 | $ 80,000 |
| Fayette County Kentucky | 22 | $ 3,548,000 | $ 161,000 | $ 122,000 |
| Larue County Kentucky | 22 | $ 1,866,000 | $ 84,000 | $ 41,000 |
| Franklin County Kentucky | 18 | $ 2,088,000 | $ 116,000 | $ 57,000 |
| Hart County Kentucky | 18 | $ 1,734,000 | $ 96,000 | $ 47,000 |
| Delaware County Ohio | 18 | $ 3,521,000 | $ 195,000 | $ 81,000 |
| Campbell County Kentucky | 15 | $ 3,084,000 | $ 205,000 | $ 130,000 |
| Henry County Kentucky | 15 | $ 2,622,000 | $ 174,000 | $ 85,000 |
| Harrison County Indiana | 14 | $ 2,518,000 | $ 179,000 | $ 56,000 |
| Cumberland County Kentucky | 11 | $ 1,052,000 | $ 95,000 | $ 42,000 |
| Marion County Indiana | 10 | $ 1,961,000 | $ 196,000 | $ 125,000 |
| Scott County Kentucky | 10 | $ 1,772,000 | $ 177,000 | $ 55,000 |
| Hamilton County Ohio | 10 | $ 4,928,000 | $ 492,000 | $ 34,000 |
| Breckinridge County Kentucky | 9 | $ 1,189,000 | $ 132,000 | $ 48,000 |
| Ohio County Kentucky | 9 | $ 1,121,000 | $ 124,000 | $ 49,000 |
| Grayson County Kentucky | 8 | $ 859,000 | $ 107,000 | $ 94,000 |
| Hancock County Kentucky | 8 | $ 713,000 | $ 89,000 | $ 42,000 |
| Morrow County Ohio | 8 | $ 897,000 | $ 112,000 | $ 53,000 |
| Collier County Florida | 7 | $ 10,271,000 | $ 1,467,000 | $ 154,000 |
| Clark County Kentucky | 7 | $ 973,000 | $ 139,000 | $ 74,000 |
| Trimble County Kentucky | 7 | $ 649,000 | $ 92,000 | $ 38,000 |
| Cuyahoga County Ohio | 7 | $ 294,000 | $ 42,000 | $ 36,000 |
| Henderson County Kentucky | 6 | $ 252,000 | $ 42,000 | $ 25,000 |
| Warren County Kentucky | 6 | $ 1,023,000 | $ 170,000 | $ 98,000 |
| Madison County Kentucky | 5 | $ 965,000 | $ 193,000 | $ 86,000 |
| Butler County Ohio | 5 | $ 866,000 | $ 173,000 | $ 73,000 |
| Warren County Ohio | 5 | $ 647,000 | $ 129,000 | $ 61,000 |
| Miami-Dade County Florida | 4 | $ 785,000 | $ 196,000 | $ 60,000 |
| DeKalb County Georgia | 4 | $ 478,000 | $ 119,000 | $ 68,000 |
| Scott County Indiana | 4 | $ 479,000 | $ 119,000 | $ 54,000 |
| Carroll County Kentucky | 4 | $ 609,000 | $ 152,000 | $ 69,000 |
| Crawford County Ohio | 4 | $ 309,000 | $ 77,000 | $ 51,000 |
| Fairfield County Ohio | 4 | $ 990,000 | $ 247,000 | $ 90,000 |
| Alachua County Florida | 3 | $ 292,000 | $ 97,000 | $ 72,000 |
| Pinellas County Florida | 3 | $ 782,000 | $ 260,000 | $ 104,000 |
| Walton County Florida | 3 | $ 678,000 | $ 226,000 | $ 185,000 |
| Chatham County Georgia | 3 | $ 414,000 | $ 138,000 | $ 106,000 |
| Warrick County Indiana | 3 | $ 306,000 | $ 102,000 | $ 37,000 |
| Washington County Indiana | 3 | $ 535,000 | $ 178,000 | $ 42,000 |
| Edmonson County Kentucky | 3 | $ 511,000 | $ 170,000 | $ 210,000 |
| McLean County Kentucky | 3 | $ 184,000 | $ 61,000 | $ 70,000 |
| Mercer County Kentucky | 3 | $ 491,000 | $ 163,000 | $ 51,000 |
| Woodford County Kentucky | 3 | $ 851,000 | $ 283,000 | $ 127,000 |
| Clermont County Ohio | 3 | $ 519,000 | $ 173,000 | $ 72,000 |
| Knox County Ohio | 3 | $ 336,000 | $ 112,000 | $ 155,000 |
| Licking County Ohio | 3 | $ 569,000 | $ 189,000 | $ 81,000 |
| Brevard County Florida | 2 | $ 369,000 | $ 184,000 | $ 165,000 |
| Broward County Florida | 2 | $ 420,000 | $ 210,000 | $ 241,000 |
| Charlotte County Florida | 2 | $ 509,000 | $ 254,000 | $ 80,000 |
| Duval County Florida | 2 | $ 2,538,000 | $ 1,269,000 | $ 801,000 |
| Hillsborough County Florida | 2 | $ 416,000 | $ 208,000 | $ 95,000 |
| Lee County Florida | 2 | $ 315,000 | $ 157,000 | $ 97,000 |
| Polk County Florida | 2 | $ 390,000 | $ 195,000 | $ 104,000 |
| Sarasota County Florida | 2 | $ 474,000 | $ 237,000 | $ 66,000 |
| Bartholomew County Indiana | 2 | $ 415,000 | $ 207,000 | $ 107,000 |
| Elkhart County Indiana | 2 | $ 248,000 | $ 124,000 | $ 122,000 |
| Fountain County Indiana | 2 | $ 137,000 | $ 68,000 | $ 50,000 |
| Franklin County Indiana | 2 | $ 489,000 | $ 244,000 | $ 0 |
| Vanderburgh County Indiana | 2 | $ 211,000 | $ 105,000 | $ 20,000 |
| Boyle County Kentucky | 2 | $ 199,000 | $ 99,000 | $ 49,000 |
| Jessamine County Kentucky | 2 | $ 328,000 | $ 164,000 | $ 76,000 |
| Owen County Kentucky | 2 | $ 497,000 | $ 248,000 | $ 230,000 |
| Powell County Kentucky | 2 | $ 114,000 | $ 57,000 | $ 147,000 |
| Pulaski County Kentucky | 2 | $ 116,000 | $ 58,000 | $ 29,000 |
| Rowan County Kentucky | 2 | $ 100,000 | $ 50,000 | $ 81,000 |
| Washington County Kentucky | 2 | $ 161,000 | $ 80,000 | $ 75,000 |
| Greene County Ohio | 2 | $ 308,000 | $ 154,000 | $ 106,000 |
| Hardin County Ohio | 2 | $ 318,000 | $ 159,000 | $ 61,000 |
| Medina County Ohio | 2 | $ 268,000 | $ 134,000 | $ 61,000 |
| Miami County Ohio | 2 | $ 364,000 | $ 182,000 | $ 73,000 |
| Davidson County Tennessee | 2 | $ 618,000 | $ 309,000 | $ 106,000 |
| Jefferson County Alabama | 1 | $ 180,000 | $ 180,000 | $ 132,000 |
| San Miguel County Colorado | 1 | $ 390,000 | $ 390,000 | $ 898,000 |
| Clay County Florida | 1 | $ 114,000 | $ 114,000 | $ 28,000 |
| Escambia County Florida | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Lake County Florida | 1 | $ 121,000 | $ 121,000 | $ 33,000 |
| Manatee County Florida | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 96,000 | $ 96,000 | $ 60,000 |
| Pasco County Florida | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Glynn County Georgia | 1 | $ 213,000 | $ 213,000 | $ 192,000 |
| Spalding County Georgia | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Walker County Georgia | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Walton County Georgia | 1 | $ 350,000 | $ 350,000 | $ 134,000 |
| Allen County Indiana | 1 | $ 212,000 | $ 212,000 | $ 120,000 |
| Dearborn County Indiana | 1 | $ 118,000 | $ 118,000 | $ 63,000 |
| Jackson County Indiana | 1 | $ 171,000 | $ 171,000 | $ 100,000 |
| Jefferson County Indiana | 1 | $ 223,000 | $ 223,000 | $ 45,000 |
| Lake County Indiana | 1 | $ 84,000 | $ 84,000 | $ 45,000 |
| Allen County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Bourbon County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| Calloway County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Clinton County Kentucky | 1 | $ 101,000 | $ 101,000 | $ 72,000 |
| Harlan County Kentucky | 1 | $ 168,000 | $ 168,000 | $ 77,000 |
| Harrison County Kentucky | 1 | $ 169,000 | $ 169,000 | $ 130,000 |
| Marshall County Kentucky | 1 | $ 123,000 | $ 123,000 | $ 110,000 |
| McCracken County Kentucky | 1 | $ 118,000 | $ 118,000 | $ 26,000 |
| Montgomery County Kentucky | 1 | $ 250,000 | $ 250,000 | $ 87,000 |
| Buncombe County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 122,000 |
| Carteret County North Carolina | 1 | $ 242,000 | $ 242,000 | $ 142,000 |
| Forsyth County North Carolina | 1 | $ 410,000 | $ 410,000 | $ 364,000 |
| Jackson County North Carolina | 1 | $ 980,000 | $ 980,000 | $ 10,000 |
| Union County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Champaign County Ohio | 1 | $ 88,000 | $ 88,000 | $ 40,000 |
| Darke County Ohio | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Fayette County Ohio | 1 | $ 141,000 | $ 141,000 | $ 35,000 |
| Huron County Ohio | 1 | $ 216,000 | $ 216,000 | $ 90,000 |
| Portage County Ohio | 1 | $ 48,000 | $ 48,000 | $ 90,000 |
| Summit County Ohio | 1 | $ 77,000 | $ 77,000 | $ 21,000 |
| Pike County Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 40,000 |
| Aiken County South Carolina | 1 | $ 131,000 | $ 131,000 | $ 46,000 |
| Beaufort County South Carolina | 1 | $ 330,000 | $ 330,000 | $ 92,000 |
| Berkeley County South Carolina | 1 | $ 72,000 | $ 72,000 | $ 22,000 |
| Oconee County South Carolina | 1 | $ 266,000 | $ 266,000 | $ 143,000 |
| Campbell County Tennessee | 1 | $ 254,000 | $ 254,000 | $ 0 |
| Clay County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 62,000 |
| Grainger County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 28,000 |
| Hamilton County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 43,000 |
| Knox County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Sevier County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 40,000 |
| Williamson County Tennessee | 1 | $ 415,000 | $ 415,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for Commonwealth Bank And Trust Company in 2016
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 | 2,618 | $410,763,000 | $156,000 | $7,785,000 | $74,000 | $1,603,000 |
| Refinancing | 1,782 | $332,280,000 | $186,000 | $1,991,000 | $88,000 | $1,119,000 |
| Home Improvement | 28 | $4,166,000 | $148,000 | $700,000 | $95,000 | $460,000 |
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 | 3,510 | $578,391,000 | $164,000 | $1,233,000 | $82,000 | $1,603,000 |
| Not Provided | 511 | $89,613,000 | $175,000 | $2,300,000 | $77,000 | $1,005,000 |
| Black or African American | 263 | $32,409,000 | $123,000 | $592,000 | $56,000 | $436,000 |
| Hispanic | 66 | $9,666,000 | $146,000 | $305,000 | $57,000 | $234,000 |
| Asian | 43 | $10,489,000 | $243,000 | $1,991,000 | $109,000 | $538,000 |
| Not applicable | 26 | $25,203,000 | $969,000 | $7,785,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 5 | $927,000 | $185,000 | $350,000 | $34,000 | $100,000 |
| American Indian or Alaskan Native | 4 | $511,000 | $127,000 | $229,000 | $63,000 | $102,000 |
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) | 3,069 | $540,025,000 | $175,000 | $7,785,000 | $92,000 | $1,603,000 |
| FHA-insured (Federal Housing Administration) | 907 | $125,338,000 | $138,000 | $299,000 | $52,000 | $233,000 |
| VA-guaranteed (Veterans Administration) | 335 | $66,959,000 | $199,000 | $592,000 | $57,000 | $312,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 117 | $14,887,000 | $127,000 | $329,000 | $43,000 | $96,000 |
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 | 2,851 | $493,811,000 | $173,000 | $7,785,000 | $81,000 | $1,119,000 |
| Application Withdrawn By Applicant | 816 | $139,071,000 | $170,000 | $1,991,000 | $85,000 | $1,603,000 |
| Application Denied By Financial Institution | 533 | $77,762,000 | $145,000 | $1,232,000 | $61,000 | $752,000 |
| Application Approved But Not Accepted | 194 | $30,669,000 | $158,000 | $592,000 | $86,000 | $853,000 |
| File Closed For Incompleteness | 30 | $5,259,000 | $175,000 | $372,000 | $99,000 | $360,000 |
| Loan Purchased By The Institution | 4 | $637,000 | $159,000 | $241,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commonwealth Bank And Trust Company's 2016 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.