Commonwealth Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Commonwealth Bank And Trust Company 2021 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 | 4,312 |
| Total Mortgage Loan Application Amount | $914,880,000 |
| Average Mortgage Loan Application Amount | $191,666 |
| Highest Mortgage Loan Application Amount | $2,855,000 |
| Average Applicant Income | $74,166 |
| Highest Applicant Income | $3,578,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 2,197 | $ 458,875,000 | $ 208,000 | $ 98,000 |
| Hardin County Kentucky | 335 | $ 72,625,000 | $ 216,000 | $ 84,000 |
| Bullitt County Kentucky | 267 | $ 54,085,000 | $ 202,000 | $ 82,000 |
| Oldham County Kentucky | 212 | $ 58,820,000 | $ 277,000 | $ 114,000 |
| Shelby County Kentucky | 189 | $ 40,945,000 | $ 216,000 | $ 90,000 |
| Clark County Indiana | 121 | $ 23,725,000 | $ 196,000 | $ 80,000 |
| Nelson County Kentucky | 70 | $ 12,590,000 | $ 179,000 | $ 69,000 |
| Spencer County Kentucky | 63 | $ 15,375,000 | $ 244,000 | $ 102,000 |
| Floyd County Indiana | 59 | $ 11,645,000 | $ 197,000 | $ 100,000 |
| Meade County Kentucky | 47 | $ 9,245,000 | $ 196,000 | $ 81,000 |
| Fayette County Kentucky | 36 | $ 7,400,000 | $ 205,000 | $ 82,000 |
| Kenton County Kentucky | 33 | $ 7,695,000 | $ 233,000 | $ 110,000 |
| Marion County Kentucky | 33 | $ 5,475,000 | $ 165,000 | $ 73,000 |
| Boone County Kentucky | 26 | $ 5,300,000 | $ 203,000 | $ 111,000 |
| Anderson County Kentucky | 24 | $ 3,970,000 | $ 165,000 | $ 74,000 |
| Grayson County Kentucky | 23 | $ 3,795,000 | $ 165,000 | $ 118,000 |
| Henry County Kentucky | 23 | $ 4,415,000 | $ 191,000 | $ 69,000 |
| Hart County Kentucky | 19 | $ 2,545,000 | $ 133,000 | $ 53,000 |
| Scott County Kentucky | 18 | $ 3,220,000 | $ 178,000 | $ 90,000 |
| Daviess County Kentucky | 17 | $ 2,705,000 | $ 159,000 | $ 61,000 |
| Hamilton County Ohio | 16 | $ 3,440,000 | $ 215,000 | $ 100,000 |
| Larue County Kentucky | 15 | $ 2,115,000 | $ 141,000 | $ 59,000 |
| Harrison County Indiana | 11 | $ 2,225,000 | $ 202,000 | $ 78,000 |
| Breckinridge County Kentucky | 11 | $ 1,765,000 | $ 160,000 | $ 147,000 |
| Franklin County Kentucky | 11 | $ 1,745,000 | $ 158,000 | $ 53,000 |
| Franklin County Ohio | 11 | $ 2,255,000 | $ 205,000 | $ 95,000 |
| Lee County Florida | 10 | $ 2,770,000 | $ 277,000 | $ 109,000 |
| Campbell County Kentucky | 10 | $ 3,570,000 | $ 357,000 | $ 218,000 |
| Madison County Kentucky | 10 | $ 1,660,000 | $ 166,000 | $ 63,000 |
| Horry County South Carolina | 9 | $ 1,515,000 | $ 168,000 | $ 70,000 |
| Boyle County Kentucky | 8 | $ 1,630,000 | $ 203,000 | $ 107,000 |
| Mercer County Kentucky | 7 | $ 1,195,000 | $ 170,000 | $ 73,000 |
| Williamson County Tennessee | 7 | $ 3,435,000 | $ 490,000 | $ 86,000 |
| Hillsborough County Florida | 6 | $ 1,220,000 | $ 203,000 | $ 87,000 |
| Marion County Indiana | 6 | $ 910,000 | $ 151,000 | $ 63,000 |
| Scott County Indiana | 6 | $ 1,050,000 | $ 175,000 | $ 69,000 |
| Christian County Kentucky | 6 | $ 260,000 | $ 43,000 | $ 43,000 |
| Montgomery County Ohio | 6 | $ 870,000 | $ 145,000 | $ 67,000 |
| Bay County Florida | 5 | $ 2,965,000 | $ 593,000 | $ 102,000 |
| Brevard County Florida | 5 | $ 1,095,000 | $ 219,000 | $ 67,000 |
| Manatee County Florida | 5 | $ 1,125,000 | $ 225,000 | $ 117,000 |
| Fulton County Georgia | 5 | $ 1,195,000 | $ 239,000 | $ 133,000 |
| Butler County Ohio | 5 | $ 1,075,000 | $ 215,000 | $ 70,000 |
| Charleston County South Carolina | 5 | $ 1,695,000 | $ 339,000 | $ 188,000 |
| Baldwin County Alabama | 4 | $ 1,150,000 | $ 287,000 | $ 117,000 |
| Collier County Florida | 4 | $ 1,780,000 | $ 445,000 | $ 188,000 |
| Marion County Florida | 4 | $ 510,000 | $ 127,000 | $ 86,000 |
| Houston County Georgia | 4 | $ 510,000 | $ 127,000 | $ 197,000 |
| Washington County Indiana | 4 | $ 570,000 | $ 142,000 | $ 43,000 |
| Clark County Kentucky | 4 | $ 1,080,000 | $ 270,000 | $ 96,000 |
| Edmonson County Kentucky | 4 | $ 990,000 | $ 247,000 | $ 178,000 |
| Russell County Kentucky | 4 | $ 910,000 | $ 227,000 | $ 143,000 |
| Woodford County Kentucky | 4 | $ 560,000 | $ 140,000 | $ 41,000 |
| Mecklenburg County North Carolina | 4 | $ 860,000 | $ 215,000 | $ 120,000 |
| Berkeley County South Carolina | 4 | $ 840,000 | $ 210,000 | $ 69,000 |
| Mesa County Colorado | 3 | $ 1,055,000 | $ 351,000 | $ 65,000 |
| Broward County Florida | 3 | $ 595,000 | $ 198,000 | $ 62,000 |
| Hernando County Florida | 3 | $ 695,000 | $ 231,000 | $ 85,000 |
| Orange County Florida | 3 | $ 1,095,000 | $ 365,000 | $ 207,000 |
| Seminole County Florida | 3 | $ 1,075,000 | $ 358,000 | $ 94,000 |
| Cherokee County Georgia | 3 | $ 1,205,000 | $ 401,000 | $ 254,000 |
| Jefferson County Indiana | 3 | $ 515,000 | $ 171,000 | $ 63,000 |
| Adair County Kentucky | 3 | $ 385,000 | $ 128,000 | $ 49,000 |
| Breathitt County Kentucky | 3 | $ 395,000 | $ 131,000 | $ 57,000 |
| Cumberland County Kentucky | 3 | $ 545,000 | $ 181,000 | $ 52,000 |
| Garrard County Kentucky | 3 | $ 575,000 | $ 191,000 | $ 68,000 |
| Harrison County Kentucky | 3 | $ 475,000 | $ 158,000 | $ 73,000 |
| Jessamine County Kentucky | 3 | $ 715,000 | $ 238,000 | $ 99,000 |
| McCracken County Kentucky | 3 | $ 455,000 | $ 151,000 | $ 320,000 |
| Ohio County Kentucky | 3 | $ 665,000 | $ 221,000 | $ 191,000 |
| Carteret County North Carolina | 3 | $ 595,000 | $ 198,000 | $ 153,000 |
| Lorain County Ohio | 3 | $ 335,000 | $ 111,000 | $ 61,000 |
| Summit County Ohio | 3 | $ 475,000 | $ 158,000 | $ 75,000 |
| Beaufort County South Carolina | 3 | $ 725,000 | $ 241,000 | $ 99,000 |
| Greenville County South Carolina | 3 | $ 1,065,000 | $ 355,000 | $ 177,000 |
| Rutherford County Tennessee | 3 | $ 925,000 | $ 308,000 | $ 159,000 |
| Wilson County Tennessee | 3 | $ 925,000 | $ 308,000 | $ 132,000 |
| Denver County Colorado | 2 | $ 630,000 | $ 315,000 | $ 222,000 |
| Summit County Colorado | 2 | $ 220,000 | $ 110,000 | $ 207,000 |
| Escambia County Florida | 2 | $ 490,000 | $ 245,000 | $ 205,000 |
| Miami-Dade County Florida | 2 | $ 1,270,000 | $ 635,000 | $ 82,000 |
| Nassau County Florida | 2 | $ 590,000 | $ 295,000 | $ 165,000 |
| Pinellas County Florida | 2 | $ 310,000 | $ 155,000 | $ 81,000 |
| Sarasota County Florida | 2 | $ 380,000 | $ 190,000 | $ 90,000 |
| St. Johns County Florida | 2 | $ 590,000 | $ 295,000 | $ 292,000 |
| Cobb County Georgia | 2 | $ 560,000 | $ 280,000 | $ 158,000 |
| Floyd County Georgia | 2 | $ 290,000 | $ 145,000 | $ 60,000 |
| Paulding County Georgia | 2 | $ 430,000 | $ 215,000 | $ 84,000 |
| Peach County Georgia | 2 | $ 590,000 | $ 295,000 | $ 83,000 |
| Allen County Indiana | 2 | $ 480,000 | $ 240,000 | $ 218,000 |
| Bartholomew County Indiana | 2 | $ 360,000 | $ 180,000 | $ 59,000 |
| Dubois County Indiana | 2 | $ 250,000 | $ 125,000 | $ 77,000 |
| Hancock County Indiana | 2 | $ 660,000 | $ 330,000 | $ 98,000 |
| Jackson County Indiana | 2 | $ 340,000 | $ 170,000 | $ 72,000 |
| Orange County Indiana | 2 | $ 470,000 | $ 235,000 | $ 68,000 |
| Shelby County Indiana | 2 | $ 240,000 | $ 120,000 | $ 93,000 |
| St. Joseph County Indiana | 2 | $ 300,000 | $ 150,000 | $ 43,000 |
| Tippecanoe County Indiana | 2 | $ 260,000 | $ 130,000 | $ 111,000 |
| Wyandotte County Kansas | 2 | $ 110,000 | $ 55,000 | $ 44,000 |
| Carroll County Kentucky | 2 | $ 130,000 | $ 65,000 | $ 24,000 |
| Owen County Kentucky | 2 | $ 520,000 | $ 260,000 | $ 194,000 |
| Trimble County Kentucky | 2 | $ 400,000 | $ 200,000 | $ 57,000 |
| Warren County Kentucky | 2 | $ 310,000 | $ 155,000 | $ 51,000 |
| Washington County Kentucky | 2 | $ 320,000 | $ 160,000 | $ 83,000 |
| Wayne County Kentucky | 2 | $ 250,000 | $ 125,000 | $ 89,000 |
| Clay County Missouri | 2 | $ 200,000 | $ 100,000 | $ 67,000 |
| Jefferson County Missouri | 2 | $ 380,000 | $ 190,000 | $ 64,000 |
| St. Louis County Missouri | 2 | $ 440,000 | $ 220,000 | $ 73,000 |
| New York County New York | 2 | $ 1,610,000 | $ 805,000 | $ 3,578,000 |
| Brunswick County North Carolina | 2 | $ 480,000 | $ 240,000 | $ 61,000 |
| Forsyth County North Carolina | 2 | $ 280,000 | $ 140,000 | $ 48,000 |
| Hoke County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 50,000 |
| Jackson County North Carolina | 2 | $ 430,000 | $ 215,000 | $ 159,000 |
| Johnston County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 51,000 |
| Nash County North Carolina | 2 | $ 1,230,000 | $ 615,000 | $ 85,000 |
| Randolph County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 105,000 |
| Wake County North Carolina | 2 | $ 460,000 | $ 230,000 | $ 73,000 |
| Clermont County Ohio | 2 | $ 320,000 | $ 160,000 | $ 80,000 |
| Delaware County Ohio | 2 | $ 270,000 | $ 135,000 | $ 162,000 |
| Medina County Ohio | 2 | $ 390,000 | $ 195,000 | $ 93,000 |
| Lexington County South Carolina | 2 | $ 320,000 | $ 160,000 | $ 52,000 |
| Richland County South Carolina | 2 | $ 420,000 | $ 210,000 | $ 75,000 |
| Davidson County Tennessee | 2 | $ 590,000 | $ 295,000 | $ 187,000 |
| Fayette County Tennessee | 2 | $ 400,000 | $ 200,000 | $ 100,000 |
| Knox County Tennessee | 2 | $ 590,000 | $ 295,000 | $ 317,000 |
| Sevier County Tennessee | 2 | $ 600,000 | $ 300,000 | $ 141,000 |
| Shelby County Tennessee | 2 | $ 330,000 | $ 165,000 | $ 46,000 |
| Calhoun County Alabama | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Shelby County Alabama | 1 | $ 215,000 | $ 215,000 | $ 36,000 |
| Adams County Colorado | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Delta County Colorado | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Douglas County Colorado | 1 | $ 375,000 | $ 375,000 | $ 80,000 |
| El Paso County Colorado | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| District of Columbia County District Of Columbia | 1 | $ 1,045,000 | $ 1,045,000 | $ 352,000 |
| Alachua County Florida | 1 | $ 515,000 | $ 515,000 | $ 292,000 |
| Charlotte County Florida | 1 | $ 305,000 | $ 305,000 | $ 359,000 |
| Duval County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hendry County Florida | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
| Indian River County Florida | 1 | $ 455,000 | $ 455,000 | $ 221,000 |
| Palm Beach County Florida | 1 | $ 255,000 | $ 255,000 | $ 50,000 |
| Santa Rosa County Florida | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| St. Lucie County Florida | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Sumter County Florida | 1 | $ 445,000 | $ 445,000 | $ 167,000 |
| Volusia County Florida | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Walton County Florida | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Baldwin County Georgia | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Carroll County Georgia | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Chatham County Georgia | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Cook County Georgia | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Dougherty County Georgia | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Forsyth County Georgia | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Heard County Georgia | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Lowndes County Georgia | 1 | $ 265,000 | $ 265,000 | $ 50,000 |
| Muscogee County Georgia | 1 | $ 115,000 | $ 115,000 | $ 22,000 |
| Cook County Illinois | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Adams County Indiana | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Boone County Indiana | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Dearborn County Indiana | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Hamilton County Indiana | 1 | $ 545,000 | $ 545,000 | $ 160,000 |
| Howard County Indiana | 1 | $ 145,000 | $ 145,000 | $ 8,000 |
| Johnson County Indiana | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| LaGrange County Indiana | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Madison County Indiana | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Miami County Indiana | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Morgan County Indiana | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Spencer County Indiana | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Vanderburgh County Indiana | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Warrick County Indiana | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Douglas County Kansas | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Johnson County Kansas | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Allen County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Barren County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Bourbon County Kentucky | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Boyd County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 10,000 |
| Casey County Kentucky | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Clinton County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Grant County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Green County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Knox County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Livingston County Kentucky | 1 | $ 305,000 | $ 305,000 | $ 170,000 |
| Pendleton County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 27,000 |
| Perry County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Pulaski County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Robertson County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 183,000 |
| Rockcastle County Kentucky | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Taylor County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Adair County Missouri | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Christian County Missouri | 1 | $ 445,000 | $ 445,000 | $ 207,000 |
| St. Charles County Missouri | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| St. Francois County Missouri | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Suffolk County New York | 1 | $ 1,505,000 | $ 1,505,000 | $ 2,346,000 |
| Alexander County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Avery County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 130,000 |
| Cabarrus County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 122,000 |
| Caldwell County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 24,000 |
| Catawba County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Chowan County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Davidson County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 32,000 |
| Edgecombe County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 15,000 |
| Lincoln County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Transylvania County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 117,000 |
| Fairfield County Ohio | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Geauga County Ohio | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Greene County Ohio | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Lake County Ohio | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Madison County Ohio | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Marion County Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Morrow County Ohio | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Richland County Ohio | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Trumbull County Ohio | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Washington County Ohio | 1 | $ 325,000 | $ 325,000 | $ 94,000 |
| Edgefield County South Carolina | 1 | $ 365,000 | $ 365,000 | $ 131,000 |
| Laurens County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 118,000 |
| Spartanburg County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| York County South Carolina | 1 | $ 465,000 | $ 465,000 | $ 160,000 |
| Blount County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Carroll County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Montgomery County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 280,000 |
| Sumner County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Union County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 21,000 |
| White County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 179,000 |
Mortgage Loan Application Detail Totals for Commonwealth Bank And Trust Company in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,936 | $380,210,000 | $196,000 | $1,355,000 | $97,000 | $2,346,000 |
| Home Purchase | 1,609 | $365,545,000 | $227,000 | $2,855,000 | $94,000 | $3,578,000 |
| Cash-out Refinancing | 683 | $153,185,000 | $224,000 | $625,000 | $101,000 | $704,000 |
| Other Purpose | 67 | $13,405,000 | $200,000 | $545,000 | $97,000 | $359,000 |
| Not Applicable | 11 | $1,565,000 | $142,000 | $245,000 | $0 | $0 |
| Home Improvement | 6 | $970,000 | $161,000 | $305,000 | $56,000 | $147,000 |
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 | 3,566 | $763,910,000 | $214,000 | $2,855,000 | $99,000 | $3,578,000 |
| Black or African American | 312 | $59,420,000 | $190,000 | $625,000 | $78,000 | $464,000 |
| Not Provided | 248 | $48,390,000 | $195,000 | $545,000 | $91,000 | $504,000 |
| Hispanic | 97 | $18,465,000 | $190,000 | $505,000 | $72,000 | $178,000 |
| Asian | 43 | $8,435,000 | $196,000 | $475,000 | $89,000 | $360,000 |
| Not applicable | 31 | $11,105,000 | $358,000 | $1,875,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $1,720,000 | $286,000 | $495,000 | $110,000 | $139,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,005,000 | $335,000 | $465,000 | $100,000 | $139,000 |
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) | 3,276 | $699,530,000 | $213,000 | $2,855,000 | $103,000 | $3,578,000 |
| FHA-insured (Federal Housing Administration) | 582 | $110,320,000 | $189,000 | $555,000 | $63,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 383 | $93,655,000 | $244,000 | $625,000 | $95,000 | $327,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $11,375,000 | $160,000 | $305,000 | $53,000 | $102,000 |
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 | 2,739 | $595,535,000 | $217,000 | $2,855,000 | $101,000 | $2,346,000 |
| Application Withdrawn By Applicant | 1,015 | $211,425,000 | $208,000 | $845,000 | $95,000 | $906,000 |
| Application Denied By Financial Institution | 476 | $88,520,000 | $185,000 | $695,000 | $63,000 | $426,000 |
| Application Approved But Not Accepted | 47 | $12,765,000 | $271,000 | $1,755,000 | $181,000 | $3,578,000 |
| File Closed For Incompleteness | 19 | $4,175,000 | $219,000 | $545,000 | $83,000 | $300,000 |
| Loan Purchased By The Institution | 16 | $2,460,000 | $153,000 | $265,000 | $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 | 3,836 | $826,360,000 | $215,000 | $2,855,000 | $101,000 | $3,578,000 |
| Debt-To-Income Ratio | 194 | $39,090,000 | $201,000 | $555,000 | $48,000 | $207,000 |
| Credit History | 149 | $27,055,000 | $181,000 | $555,000 | $79,000 | $426,000 |
| Other | 66 | $8,630,000 | $130,000 | $405,000 | $71,000 | $276,000 |
| Collateral | 36 | $7,940,000 | $220,000 | $695,000 | $81,000 | $226,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,745,000 | $183,000 | $435,000 | $60,000 | $146,000 |
| Employment History | 9 | $1,265,000 | $140,000 | $215,000 | $49,000 | $83,000 |
| Unverifiable Information | 5 | $1,435,000 | $287,000 | $515,000 | $8,000 | $41,000 |
| Credit Application Incomplete | 2 | $360,000 | $180,000 | $255,000 | $81,000 | $81,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commonwealth Bank And Trust Company's 2021 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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