Cumberland Valley National Bank & Trust Co Mortgage Lending & HMDA Data, 2009
In 2009, Cumberland Valley National Bank & Trust Co of London, KY reported 738 mortgage applications totaling $82.1 million, up 52% from 2008. The average application was for $111,287, and applicants reported an average income of $62,800. 85% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lexington-Fayette, KY (79), Louisville-Jefferson County, KY-IN (7) and Bowling Green, KY (3) (applications in parentheses).
| Mortgage Company & Address | Cumberland Valley National Bank & Trust Co Po Box 709 London, KY 40743 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2003 |
| Total Number of Mortgage Applications | 738 |
| Total Mortgage Loan Application Amount | $82,130,000 |
| Average Mortgage Loan Application Amount | $111,287 |
| Highest Mortgage Loan Application Amount | $887,000 |
| Average Applicant Income | $62,800 |
| Highest Applicant Income | $509,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cumberland Valley National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Laurel, Kentucky | 221 | $ 21,983,000 | $ 99,470 | $ 64,000 |
| Pulaski, Kentucky | 156 | $ 17,459,000 | $ 111,916 | $ 63,000 |
| Madison, Kentucky | 141 | $ 19,022,000 | $ 134,907 | $ 77,000 |
| Fayette, Kentucky | 66 | $ 7,509,000 | $ 113,772 | $ 44,000 |
| Whitley, Kentucky | 64 | $ 5,416,000 | $ 84,625 | $ 50,000 |
| Knox, Kentucky | 17 | $ 1,336,000 | $ 78,588 | $ 50,000 |
| Jackson, Kentucky | 11 | $ 483,000 | $ 43,909 | $ 42,000 |
| Rockcastle, Kentucky | 6 | $ 576,000 | $ 96,000 | $ 45,000 |
| Jefferson, Kentucky | 4 | $ 1,479,000 | $ 369,750 | $ 210,000 |
| Jessamine, Kentucky | 4 | $ 843,000 | $ 210,750 | $ 75,000 |
| Casey, Kentucky | 3 | $ 273,000 | $ 91,000 | $ 51,000 |
| Estill, Kentucky | 3 | $ 265,000 | $ 88,333 | $ 55,000 |
| Franklin, Kentucky | 3 | $ 637,000 | $ 212,333 | $ 43,000 |
| Garrard, Kentucky | 3 | $ 242,000 | $ 80,666 | $ 33,000 |
| McCreary, Kentucky | 3 | $ 314,000 | $ 104,666 | $ 54,000 |
| Russell, Kentucky | 3 | $ 301,000 | $ 100,333 | $ 71,000 |
| Scott, Kentucky | 3 | $ 575,000 | $ 191,666 | $ 71,000 |
| Warren, Kentucky | 3 | $ 410,000 | $ 136,666 | $ 114,000 |
| Wayne, Kentucky | 3 | $ 261,000 | $ 87,000 | $ 41,000 |
| Woodford, Kentucky | 3 | $ 486,000 | $ 162,000 | $ 84,000 |
| Bourbon, Kentucky | 2 | $ 300,000 | $ 150,000 | $ 86,000 |
| Clay, Kentucky | 2 | $ 45,000 | $ 22,500 | $ 26,000 |
| Mercer, Kentucky | 2 | $ 255,000 | $ 127,500 | $ 88,000 |
| Oldham, Kentucky | 2 | $ 252,000 | $ 126,000 | $ 50,000 |
| Scott, Tennessee | 2 | $ 405,000 | $ 202,500 | $ 103,000 |
| Columbia, Georgia | 1 | $ 30,000 | $ 30,000 | $ 20,000 |
| Boyle, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 36,000 |
| Bullitt, Kentucky | 1 | $ 174,000 | $ 174,000 | $ 59,000 |
| Clark, Kentucky | 1 | $ 417,000 | $ 417,000 | $ 135,000 |
| Daviess, Kentucky | 1 | $ 39,000 | $ 39,000 | $ 58,000 |
| Marion, Kentucky | 1 | $ 143,000 | $ 143,000 | $ 70,000 |
| Montgomery, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 80,000 |
| Campbell, Tennessee | 1 | $ 3,000 | $ 3,000 | $ 8,000 |
Mortgage Loan Application Detail Totals for Cumberland Valley National Bank & Trust Co in 2009
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 | 537 | $63,758,000 | $118,000 | $560,000 | $64,000 | $371,000 |
| Home Purchase | 138 | $17,106,000 | $123,000 | $887,000 | $69,000 | $509,000 |
| Home Improvement | 63 | $1,266,000 | $20,000 | $417,000 | $39,000 | $285,000 |
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 | 664 | $72,043,000 | $108,000 | $560,000 | $68,000 | $439,000 |
| Not applicable | 58 | $7,656,000 | $132,000 | $570,000 | $0 | $0 |
| Not Provided | 7 | $622,000 | $88,000 | $261,000 | $32,000 | $77,000 |
| Asian | 6 | $1,437,000 | $239,000 | $887,000 | $173,000 | $509,000 |
| Black or African American | 1 | $140,000 | $140,000 | $140,000 | $76,000 | $76,000 |
| Hispanic | 1 | $73,000 | $73,000 | $73,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $159,000 | $159,000 | $159,000 | $212,000 | $212,000 |
| 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) | 733 | $81,553,000 | $111,000 | $887,000 | $63,000 | $509,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $577,000 | $115,000 | $148,000 | $44,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 629 | $72,879,000 | $115,000 | $887,000 | $64,000 | $509,000 |
| Application Denied By Financial Institution | 48 | $1,851,000 | $38,000 | $312,000 | $37,000 | $212,000 |
| Application Withdrawn By Applicant | 43 | $5,194,000 | $120,000 | $417,000 | $64,000 | $244,000 |
| Application Approved But Not Accepted | 18 | $2,206,000 | $122,000 | $260,000 | $100,000 | $258,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 29 | $641,000 | $22,000 | $130,000 | $28,000 | $90,000 |
| Debt-To-Income Ratio | 9 | $759,000 | $84,000 | $312,000 | $37,000 | $106,000 |
| Collateral | 7 | $392,000 | $56,000 | $159,000 | $65,000 | $212,000 |
| Employment History | 3 | $59,000 | $19,000 | $42,000 | $60,000 | $146,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cumberland Valley National Bank & Trust Co's 2009 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 Cumberland Valley National Bank & Trust Co'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.
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