Commonwealth Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Commonwealth Bank And Trust Company 2019 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 | 4,117 |
| Total Mortgage Loan Application Amount | $786,005,000 |
| Average Mortgage Loan Application Amount | $168,833 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $79,333 |
| Highest Applicant Income | $2,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 2,248 | $ 431,870,000 | $ 192,000 | $ 97,000 |
| Hardin County Kentucky | 349 | $ 71,805,000 | $ 205,000 | $ 76,000 |
| Bullitt County Kentucky | 302 | $ 55,880,000 | $ 185,000 | $ 78,000 |
| Oldham County Kentucky | 191 | $ 49,685,000 | $ 260,000 | $ 108,000 |
| Shelby County Kentucky | 187 | $ 34,245,000 | $ 183,000 | $ 81,000 |
| Spencer County Kentucky | 72 | $ 14,820,000 | $ 205,000 | $ 88,000 |
| Daviess County Kentucky | 59 | $ 7,145,000 | $ 121,000 | $ 56,000 |
| Nelson County Kentucky | 57 | $ 8,495,000 | $ 149,000 | $ 66,000 |
| Meade County Kentucky | 53 | $ 8,945,000 | $ 168,000 | $ 78,000 |
| Clark County Indiana | 51 | $ 8,935,000 | $ 175,000 | $ 87,000 |
| Floyd County Indiana | 48 | $ 9,000,000 | $ 187,000 | $ 80,000 |
| Fayette County Kentucky | 37 | $ 7,775,000 | $ 210,000 | $ 88,000 |
| Marion County Kentucky | 32 | $ 4,850,000 | $ 151,000 | $ 81,000 |
| Kenton County Kentucky | 28 | $ 4,640,000 | $ 165,000 | $ 95,000 |
| Boone County Kentucky | 25 | $ 4,385,000 | $ 175,000 | $ 91,000 |
| Anderson County Kentucky | 20 | $ 2,450,000 | $ 122,000 | $ 56,000 |
| Larue County Kentucky | 16 | $ 2,510,000 | $ 156,000 | $ 59,000 |
| Hamilton County Ohio | 16 | $ 1,860,000 | $ 116,000 | $ 64,000 |
| Ohio County Kentucky | 15 | $ 1,235,000 | $ 82,000 | $ 44,000 |
| Franklin County Ohio | 15 | $ 2,935,000 | $ 195,000 | $ 93,000 |
| Harrison County Indiana | 14 | $ 2,440,000 | $ 174,000 | $ 66,000 |
| Hart County Kentucky | 11 | $ 1,135,000 | $ 103,000 | $ 55,000 |
| Grayson County Kentucky | 10 | $ 1,210,000 | $ 121,000 | $ 69,000 |
| Henry County Kentucky | 10 | $ 1,370,000 | $ 137,000 | $ 52,000 |
| Scott County Kentucky | 10 | $ 2,150,000 | $ 215,000 | $ 74,000 |
| Campbell County Kentucky | 8 | $ 1,240,000 | $ 155,000 | $ 103,000 |
| Breckinridge County Kentucky | 7 | $ 945,000 | $ 135,000 | $ 71,000 |
| Clark County Kentucky | 7 | $ 1,395,000 | $ 199,000 | $ 100,000 |
| Franklin County Kentucky | 7 | $ 755,000 | $ 107,000 | $ 67,000 |
| Mercer County Kentucky | 5 | $ 605,000 | $ 121,000 | $ 64,000 |
| Washington County Kentucky | 5 | $ 705,000 | $ 141,000 | $ 69,000 |
| Clermont County Ohio | 5 | $ 1,085,000 | $ 217,000 | $ 61,000 |
| Orange County Florida | 4 | $ 880,000 | $ 220,000 | $ 83,000 |
| Trimble County Kentucky | 4 | $ 800,000 | $ 200,000 | $ 63,000 |
| Warren County Kentucky | 4 | $ 780,000 | $ 195,000 | $ 57,000 |
| Montgomery County Ohio | 4 | $ 660,000 | $ 165,000 | $ 103,000 |
| Collier County Florida | 3 | $ 1,025,000 | $ 341,000 | $ 419,000 |
| Pinellas County Florida | 3 | $ 425,000 | $ 141,000 | $ 50,000 |
| Jefferson County Indiana | 3 | $ 735,000 | $ 245,000 | $ 74,000 |
| Green County Kentucky | 3 | $ 205,000 | $ 68,000 | $ 24,000 |
| Hancock County Kentucky | 3 | $ 155,000 | $ 51,000 | $ 19,000 |
| Jessamine County Kentucky | 3 | $ 635,000 | $ 211,000 | $ 65,000 |
| Pendleton County Kentucky | 3 | $ 395,000 | $ 131,000 | $ 62,000 |
| Butler County Ohio | 3 | $ 615,000 | $ 205,000 | $ 102,000 |
| Lucas County Ohio | 3 | $ 565,000 | $ 188,000 | $ 135,000 |
| Marion County Ohio | 3 | $ 455,000 | $ 151,000 | $ 72,000 |
| Charleston County South Carolina | 3 | $ 705,000 | $ 235,000 | $ 156,000 |
| Horry County South Carolina | 3 | $ 415,000 | $ 138,000 | $ 46,000 |
| Davidson County Tennessee | 3 | $ 845,000 | $ 281,000 | $ 204,000 |
| Rutherford County Tennessee | 3 | $ 535,000 | $ 178,000 | $ 79,000 |
| Williamson County Tennessee | 3 | $ 1,135,000 | $ 378,000 | $ 135,000 |
| Baldwin County Alabama | 2 | $ 420,000 | $ 210,000 | $ 318,000 |
| Etowah County Alabama | 2 | $ 410,000 | $ 205,000 | $ 104,000 |
| Arapahoe County Colorado | 2 | $ 750,000 | $ 375,000 | $ 115,000 |
| Charlotte County Florida | 2 | $ 300,000 | $ 150,000 | $ 44,000 |
| Lee County Florida | 2 | $ 540,000 | $ 270,000 | $ 105,000 |
| Volusia County Florida | 2 | $ 500,000 | $ 250,000 | $ 87,000 |
| Cobb County Georgia | 2 | $ 650,000 | $ 325,000 | $ 375,000 |
| Dearborn County Indiana | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Hamilton County Indiana | 2 | $ 610,000 | $ 305,000 | $ 200,000 |
| Jackson County Indiana | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| Marion County Indiana | 2 | $ 190,000 | $ 95,000 | $ 43,000 |
| Pike County Indiana | 2 | $ 90,000 | $ 45,000 | $ 26,000 |
| Barren County Kentucky | 2 | $ 620,000 | $ 310,000 | $ 184,000 |
| Bourbon County Kentucky | 2 | $ 400,000 | $ 200,000 | $ 59,000 |
| Boyle County Kentucky | 2 | $ 300,000 | $ 150,000 | $ 84,000 |
| Edmonson County Kentucky | 2 | $ 380,000 | $ 190,000 | $ 264,000 |
| Floyd County Kentucky | 2 | $ 80,000 | $ 40,000 | $ 26,000 |
| Hopkins County Kentucky | 2 | $ 350,000 | $ 175,000 | $ 79,000 |
| Knox County Kentucky | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Pike County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 95,000 |
| Pulaski County Kentucky | 2 | $ 310,000 | $ 155,000 | $ 50,000 |
| Taylor County Kentucky | 2 | $ 340,000 | $ 170,000 | $ 73,000 |
| Laclede County Missouri | 2 | $ 590,000 | $ 295,000 | $ 77,000 |
| St. Charles County Missouri | 2 | $ 330,000 | $ 165,000 | $ 77,000 |
| Webster County Missouri | 2 | $ 130,000 | $ 65,000 | $ 61,000 |
| Mecklenburg County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 114,000 |
| Pitt County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 50,000 |
| Delaware County Ohio | 2 | $ 580,000 | $ 290,000 | $ 61,000 |
| Morrow County Ohio | 2 | $ 350,000 | $ 175,000 | $ 46,000 |
| Preble County Ohio | 2 | $ 130,000 | $ 65,000 | $ 44,000 |
| Warren County Ohio | 2 | $ 1,600,000 | $ 800,000 | $ 66,000 |
| Jasper County South Carolina | 2 | $ 410,000 | $ 205,000 | $ 55,000 |
| Spartanburg County South Carolina | 2 | $ 380,000 | $ 190,000 | $ 65,000 |
| Montgomery County Tennessee | 2 | $ 370,000 | $ 185,000 | $ 208,000 |
| Jefferson County Alabama | 1 | $ 335,000 | $ 335,000 | $ 237,000 |
| Madison County Alabama | 1 | $ 355,000 | $ 355,000 | $ 303,000 |
| Bay County Florida | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Duval County Florida | 1 | $ 395,000 | $ 395,000 | $ 200,000 |
| Highlands County Florida | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Indian River County Florida | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Lake County Florida | 1 | $ 135,000 | $ 135,000 | $ 158,000 |
| Marion County Florida | 1 | $ 135,000 | $ 135,000 | $ 146,000 |
| Miami-Dade County Florida | 1 | $ 135,000 | $ 135,000 | $ 15,000 |
| Sarasota County Florida | 1 | $ 265,000 | $ 265,000 | $ 85,000 |
| Chatham County Georgia | 1 | $ 145,000 | $ 145,000 | $ 153,000 |
| Cherokee County Georgia | 1 | $ 325,000 | $ 325,000 | $ 116,000 |
| Clayton County Georgia | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Coweta County Georgia | 1 | $ 445,000 | $ 445,000 | $ 191,000 |
| Gwinnett County Georgia | 1 | $ 485,000 | $ 485,000 | $ 2,500,000 |
| Henry County Georgia | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Jackson County Georgia | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Lincoln County Georgia | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| McIntosh County Georgia | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Troup County Georgia | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Walton County Georgia | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Allen County Indiana | 1 | $ 75,000 | $ 75,000 | $ 14,000 |
| Brown County Indiana | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Crawford County Indiana | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Fountain County Indiana | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Jennings County Indiana | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Lake County Indiana | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Monroe County Indiana | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Porter County Indiana | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Tippecanoe County Indiana | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Washington County Indiana | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Bath County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Bell County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Breathitt County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Clinton County Kentucky | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Fleming County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 21,000 |
| Gallatin County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Garrard County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Harrison County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Laurel County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Madison County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| McCracken County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| McLean County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Menifee County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Nicholas County Kentucky | 1 | $ 415,000 | $ 415,000 | $ 593,000 |
| Powell County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Rowan County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Woodford County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Cherokee County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Craven County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Durham County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 120,000 |
| Iredell County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Nash County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Pasquotank County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
| Warren County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Crawford County Ohio | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Cuyahoga County Ohio | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Fairfield County Ohio | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Hocking County Ohio | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Wayne County Ohio | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Beaufort County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
| Dorchester County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| DeKalb County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
| Hamilton County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Shelby County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Sullivan County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Washington County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Wilson County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Commonwealth Bank And Trust Company in 2019
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 | 2,049 | $351,565,000 | $171,000 | $1,205,000 | $87,000 | $2,500,000 |
| Refinancing | 1,512 | $324,690,000 | $214,000 | $10,005,000 | $94,000 | $696,000 |
| Cash-out Refinancing | 475 | $99,685,000 | $209,000 | $645,000 | $99,000 | $881,000 |
| Other Purpose | 54 | $7,350,000 | $136,000 | $555,000 | $93,000 | $500,000 |
| Home Improvement | 25 | $2,335,000 | $93,000 | $345,000 | $103,000 | $318,000 |
| Not Applicable | 2 | $380,000 | $190,000 | $225,000 | $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 | 3,433 | $659,955,000 | $192,000 | $1,205,000 | $90,000 | $893,000 |
| Black or African American | 289 | $44,385,000 | $153,000 | $525,000 | $97,000 | $2,500,000 |
| Not Provided | 197 | $36,945,000 | $187,000 | $485,000 | $107,000 | $500,000 |
| Hispanic | 113 | $15,135,000 | $133,000 | $385,000 | $60,000 | $324,000 |
| Asian | 50 | $9,160,000 | $183,000 | $435,000 | $85,000 | $254,000 |
| Not applicable | 24 | $18,540,000 | $772,000 | $10,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,285,000 | $183,000 | $255,000 | $86,000 | $210,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $120,000 | $60,000 | $115,000 | $38,000 | $38,000 |
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) | 2,989 | $576,615,000 | $192,000 | $10,005,000 | $98,000 | $2,500,000 |
| FHA-insured (Federal Housing Administration) | 740 | $125,430,000 | $169,000 | $325,000 | $64,000 | $238,000 |
| VA-guaranteed (Veterans Administration) | 316 | $74,230,000 | $234,000 | $545,000 | $89,000 | $232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $9,730,000 | $135,000 | $255,000 | $48,000 | $94,000 |
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 | 2,382 | $470,090,000 | $197,000 | $10,005,000 | $95,000 | $2,500,000 |
| Application Withdrawn By Applicant | 1,080 | $204,160,000 | $189,000 | $955,000 | $93,000 | $720,000 |
| Application Denied By Financial Institution | 555 | $90,885,000 | $163,000 | $915,000 | $68,000 | $720,000 |
| File Closed For Incompleteness | 61 | $14,725,000 | $241,000 | $605,000 | $111,000 | $382,000 |
| Application Approved But Not Accepted | 37 | $5,765,000 | $155,000 | $535,000 | $72,000 | $204,000 |
| Loan Purchased By The Institution | 2 | $380,000 | $190,000 | $225,000 | $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 | 3,562 | $695,120,000 | $195,000 | $10,005,000 | $94,000 | $2,500,000 |
| Credit History | 195 | $32,035,000 | $164,000 | $465,000 | $71,000 | $216,000 |
| Debt-To-Income Ratio | 166 | $30,330,000 | $182,000 | $525,000 | $54,000 | $318,000 |
| Other | 100 | $11,270,000 | $112,000 | $725,000 | $78,000 | $720,000 |
| Collateral | 59 | $11,275,000 | $191,000 | $915,000 | $89,000 | $421,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $4,285,000 | $186,000 | $315,000 | $58,000 | $132,000 |
| Unverifiable Information | 6 | $980,000 | $163,000 | $245,000 | $41,000 | $67,000 |
| Employment History | 6 | $710,000 | $118,000 | $145,000 | $29,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commonwealth Bank And Trust Company's 2019 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.