Commonwealth Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Commonwealth Bank And Trust Company 2018 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 | 3,227 |
| Total Mortgage Loan Application Amount | $534,635,000 |
| Average Mortgage Loan Application Amount | $144,333 |
| Highest Mortgage Loan Application Amount | $12,905,000 |
| Average Applicant Income | $73,166 |
| Highest Applicant Income | $2,150,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 1,843 | $ 308,775,000 | $ 167,000 | $ 83,000 |
| Hardin County Kentucky | 243 | $ 34,565,000 | $ 142,000 | $ 71,000 |
| Bullitt County Kentucky | 231 | $ 36,205,000 | $ 156,000 | $ 68,000 |
| Shelby County Kentucky | 167 | $ 26,565,000 | $ 159,000 | $ 76,000 |
| Oldham County Kentucky | 139 | $ 35,335,000 | $ 254,000 | $ 114,000 |
| Nelson County Kentucky | 56 | $ 6,920,000 | $ 123,000 | $ 60,000 |
| Clark County Indiana | 42 | $ 7,010,000 | $ 166,000 | $ 87,000 |
| Kenton County Kentucky | 42 | $ 4,740,000 | $ 112,000 | $ 73,000 |
| Fayette County Kentucky | 40 | $ 7,480,000 | $ 187,000 | $ 118,000 |
| Spencer County Kentucky | 40 | $ 7,940,000 | $ 198,000 | $ 82,000 |
| Boone County Kentucky | 36 | $ 4,810,000 | $ 133,000 | $ 80,000 |
| Meade County Kentucky | 35 | $ 5,665,000 | $ 161,000 | $ 73,000 |
| Floyd County Indiana | 29 | $ 5,145,000 | $ 177,000 | $ 86,000 |
| Henry County Kentucky | 21 | $ 2,525,000 | $ 120,000 | $ 51,000 |
| Campbell County Kentucky | 14 | $ 2,350,000 | $ 167,000 | $ 84,000 |
| Grayson County Kentucky | 14 | $ 1,420,000 | $ 101,000 | $ 68,000 |
| Marion County Kentucky | 14 | $ 1,570,000 | $ 112,000 | $ 65,000 |
| Hart County Kentucky | 13 | $ 1,305,000 | $ 100,000 | $ 51,000 |
| Larue County Kentucky | 12 | $ 1,580,000 | $ 131,000 | $ 59,000 |
| Hamilton County Ohio | 12 | $ 2,600,000 | $ 216,000 | $ 85,000 |
| Franklin County Kentucky | 11 | $ 1,105,000 | $ 100,000 | $ 59,000 |
| Anderson County Kentucky | 10 | $ 1,100,000 | $ 110,000 | $ 56,000 |
| Carroll County Kentucky | 6 | $ 840,000 | $ 140,000 | $ 55,000 |
| Clark County Kentucky | 6 | $ 780,000 | $ 130,000 | $ 76,000 |
| Scott County Kentucky | 6 | $ 1,260,000 | $ 210,000 | $ 71,000 |
| Adair County Kentucky | 5 | $ 545,000 | $ 109,000 | $ 41,000 |
| Breckinridge County Kentucky | 5 | $ 675,000 | $ 135,000 | $ 78,000 |
| Madison County Kentucky | 5 | $ 955,000 | $ 191,000 | $ 118,000 |
| Warren County Kentucky | 5 | $ 815,000 | $ 163,000 | $ 66,000 |
| Pinellas County Florida | 4 | $ 1,070,000 | $ 267,000 | $ 120,000 |
| Harrison County Indiana | 4 | $ 610,000 | $ 152,000 | $ 72,000 |
| Jackson County Indiana | 4 | $ 710,000 | $ 177,000 | $ 100,000 |
| Barren County Kentucky | 4 | $ 520,000 | $ 130,000 | $ 58,000 |
| Cumberland County Kentucky | 4 | $ 310,000 | $ 77,000 | $ 45,000 |
| Pulaski County Kentucky | 4 | $ 640,000 | $ 160,000 | $ 88,000 |
| Clermont County Ohio | 4 | $ 930,000 | $ 232,000 | $ 80,000 |
| Daviess County Kentucky | 3 | $ 735,000 | $ 245,000 | $ 72,000 |
| Hopkins County Kentucky | 3 | $ 315,000 | $ 105,000 | $ 70,000 |
| Jessamine County Kentucky | 3 | $ 505,000 | $ 168,000 | $ 65,000 |
| Metcalfe County Kentucky | 3 | $ 175,000 | $ 58,000 | $ 32,000 |
| Trimble County Kentucky | 3 | $ 195,000 | $ 65,000 | $ 53,000 |
| Warren County Ohio | 3 | $ 575,000 | $ 191,000 | $ 62,000 |
| Broward County Florida | 2 | $ 770,000 | $ 385,000 | $ 124,000 |
| DeKalb County Georgia | 2 | $ 440,000 | $ 220,000 | $ 232,000 |
| Paulding County Georgia | 2 | $ 290,000 | $ 145,000 | $ 338,000 |
| Jefferson County Indiana | 2 | $ 70,000 | $ 35,000 | $ 94,000 |
| Clinton County Kentucky | 2 | $ 100,000 | $ 50,000 | $ 38,000 |
| Grant County Kentucky | 2 | $ 160,000 | $ 80,000 | $ 59,000 |
| McCracken County Kentucky | 2 | $ 280,000 | $ 140,000 | $ 136,000 |
| Mercer County Kentucky | 2 | $ 320,000 | $ 160,000 | $ 46,000 |
| Pendleton County Kentucky | 2 | $ 310,000 | $ 155,000 | $ 69,000 |
| Rowan County Kentucky | 2 | $ 80,000 | $ 40,000 | $ 52,000 |
| Taylor County Kentucky | 2 | $ 330,000 | $ 165,000 | $ 74,000 |
| Butler County Ohio | 2 | $ 130,000 | $ 65,000 | $ 40,000 |
| Richland County Ohio | 2 | $ 260,000 | $ 130,000 | $ 33,000 |
| Davidson County Tennessee | 2 | $ 550,000 | $ 275,000 | $ 94,000 |
| Montgomery County Tennessee | 2 | $ 420,000 | $ 210,000 | $ 319,000 |
| Baldwin County Alabama | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| Citrus County Florida | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| Collier County Florida | 1 | $ 565,000 | $ 565,000 | $ 571,000 |
| Lee County Florida | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Leon County Florida | 1 | $ 425,000 | $ 425,000 | $ 158,000 |
| Marion County Florida | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Miami-Dade County Florida | 1 | $ 265,000 | $ 265,000 | $ 69,000 |
| Nassau County Florida | 1 | $ 225,000 | $ 225,000 | $ 118,000 |
| Orange County Florida | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Palm Beach County Florida | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Pasco County Florida | 1 | $ 85,000 | $ 85,000 | $ 18,000 |
| Barrow County Georgia | 1 | $ 185,000 | $ 185,000 | $ 105,000 |
| Cobb County Georgia | 1 | $ 455,000 | $ 455,000 | $ 220,000 |
| Bartholomew County Indiana | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Dearborn County Indiana | 1 | $ 5,000 | $ 5,000 | $ 64,000 |
| Hamilton County Indiana | 1 | $ 295,000 | $ 295,000 | $ 50,000 |
| Hendricks County Indiana | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Jennings County Indiana | 1 | $ 135,000 | $ 135,000 | $ 180,000 |
| Knox County Indiana | 1 | $ 325,000 | $ 325,000 | $ 81,000 |
| Tippecanoe County Indiana | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| Vanderburgh County Indiana | 1 | $ 165,000 | $ 165,000 | $ 102,000 |
| Washington County Indiana | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Bourbon County Kentucky | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Boyle County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| Calloway County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Edmonson County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Fleming County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Garrard County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Green County Kentucky | 1 | $ 285,000 | $ 285,000 | $ 44,000 |
| Laurel County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 131,000 |
| Magoffin County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Montgomery County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Rockcastle County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 17,000 |
| Russell County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 246,000 |
| Washington County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Woodford County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Crawford County Ohio | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Cuyahoga County Ohio | 1 | $ 115,000 | $ 115,000 | $ 57,000 |
| Delaware County Ohio | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Franklin County Ohio | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Hocking County Ohio | 1 | $ 155,000 | $ 155,000 | $ 149,000 |
| Jefferson County Ohio | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Montgomery County Ohio | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Morrow County Ohio | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Summit County Ohio | 1 | $ 345,000 | $ 345,000 | $ 112,000 |
| Charleston County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Horry County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Newberry County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 226,000 |
| Shelby County Tennessee | 1 | $ 1,365,000 | $ 1,365,000 | $ 0 |
Mortgage Loan Application Detail Totals for Commonwealth Bank And Trust Company in 2018
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 | 2,493 | $402,465,000 | $161,000 | $12,905,000 | $78,000 | $2,150,000 |
| Refinancing | 362 | $66,870,000 | $184,000 | $1,005,000 | $96,000 | $1,200,000 |
| Cash-out Refinancing | 301 | $58,385,000 | $193,000 | $565,000 | $91,000 | $654,000 |
| Other Purpose | 44 | $4,740,000 | $107,000 | $405,000 | $86,000 | $244,000 |
| Home Improvement | 21 | $1,185,000 | $56,000 | $405,000 | $88,000 | $186,000 |
| Not Applicable | 6 | $990,000 | $165,000 | $255,000 | $0 | $0 |
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 | 2,661 | $442,105,000 | $166,000 | $2,505,000 | $84,000 | $2,150,000 |
| Black or African American | 272 | $32,300,000 | $118,000 | $565,000 | $62,000 | $238,000 |
| Hispanic | 126 | $14,820,000 | $117,000 | $265,000 | $50,000 | $158,000 |
| Not Provided | 83 | $14,565,000 | $175,000 | $455,000 | $91,000 | $350,000 |
| Asian | 40 | $6,660,000 | $166,000 | $435,000 | $101,000 | $359,000 |
| Not applicable | 24 | $21,570,000 | $898,000 | $12,905,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $775,000 | $70,000 | $185,000 | $47,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $600,000 | $150,000 | $195,000 | $92,000 | $232,000 |
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) | 2,331 | $382,485,000 | $164,000 | $12,905,000 | $87,000 | $2,150,000 |
| FHA-insured (Federal Housing Administration) | 610 | $95,440,000 | $156,000 | $385,000 | $63,000 | $888,000 |
| VA-guaranteed (Veterans Administration) | 219 | $46,825,000 | $213,000 | $575,000 | $83,000 | $256,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $9,885,000 | $147,000 | $285,000 | $49,000 | $75,000 |
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 | 2,151 | $368,095,000 | $171,000 | $12,905,000 | $82,000 | $2,150,000 |
| Application Withdrawn By Applicant | 629 | $101,735,000 | $161,000 | $755,000 | $85,000 | $1,200,000 |
| Application Denied By Financial Institution | 384 | $52,880,000 | $137,000 | $795,000 | $62,000 | $298,000 |
| Application Approved But Not Accepted | 32 | $6,380,000 | $199,000 | $905,000 | $129,000 | $691,000 |
| File Closed For Incompleteness | 25 | $4,555,000 | $182,000 | $345,000 | $79,000 | $220,000 |
| Loan Purchased By The Institution | 6 | $990,000 | $165,000 | $255,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,843 | $481,755,000 | $169,000 | $12,905,000 | $84,000 | $2,150,000 |
| Credit History | 110 | $16,430,000 | $149,000 | $455,000 | $68,000 | $240,000 |
| Debt-To-Income Ratio | 99 | $15,235,000 | $153,000 | $795,000 | $54,000 | $197,000 |
| Other | 85 | $8,835,000 | $103,000 | $795,000 | $59,000 | $201,000 |
| Collateral | 47 | $6,725,000 | $143,000 | $565,000 | $79,000 | $298,000 |
| Employment History | 17 | $2,035,000 | $119,000 | $345,000 | $45,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,140,000 | $133,000 | $285,000 | $56,000 | $111,000 |
| Unverifiable Information | 8 | $1,050,000 | $131,000 | $195,000 | $43,000 | $71,000 |
| Credit Application Incomplete | 2 | $430,000 | $215,000 | $405,000 | $240,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commonwealth Bank And Trust Company's 2018 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.
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with aggregated HMDA statistics today.