Cumberland Valley National Bank & Trust Co Mortgage Lending & HMDA Data, 2013
In 2013, Cumberland Valley National Bank & Trust Co of London, KY reported 421 mortgage applications totaling $55.0 million, down 21% from 2012. The average application was for $130,722, and applicants reported an average income of $77,902. 76% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Lexington-Fayette, KY (36), Louisville/Jefferson County, KY-IN (6) and Bowling Green, KY (2) (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 | 421 |
| Total Mortgage Loan Application Amount | $55,034,000 |
| Average Mortgage Loan Application Amount | $130,722 |
| Highest Mortgage Loan Application Amount | $3,403,000 |
| Average Applicant Income | $77,902 |
| Highest Applicant Income | $570,000 |
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Valley National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 130 | $ 15,876,000 | $ 122,123 | $ 66,000 |
| Madison, Kentucky | 96 | $ 12,862,000 | $ 133,979 | $ 77,000 |
| Pulaski, Kentucky | 54 | $ 7,923,000 | $ 146,722 | $ 93,000 |
| Whitley, Kentucky | 37 | $ 2,706,000 | $ 73,135 | $ 55,000 |
| Fayette, Kentucky | 32 | $ 7,434,000 | $ 232,312 | $ 138,000 |
| Knox, Kentucky | 24 | $ 2,531,000 | $ 105,458 | $ 56,000 |
| Clay, Kentucky | 6 | $ 507,000 | $ 84,500 | $ 48,000 |
| Garrard, Kentucky | 6 | $ 444,000 | $ 74,000 | $ 55,000 |
| Jackson, Kentucky | 4 | $ 395,000 | $ 98,750 | $ 74,000 |
| Jefferson, Kentucky | 4 | $ 421,000 | $ 105,250 | $ 114,000 |
| Rockcastle, Kentucky | 3 | $ 458,000 | $ 152,666 | $ 56,000 |
| Scott, Kentucky | 3 | $ 420,000 | $ 140,000 | $ 121,000 |
| Henderson, Kentucky | 2 | $ 202,000 | $ 101,000 | $ 94,000 |
| Lincoln, Kentucky | 2 | $ 224,000 | $ 112,000 | $ 70,000 |
| Russell, Kentucky | 2 | $ 271,000 | $ 135,500 | $ 105,000 |
| Warren, Kentucky | 2 | $ 554,000 | $ 277,000 | $ 498,000 |
| Wayne, Kentucky | 2 | $ 94,000 | $ 47,000 | $ 31,000 |
| Effingham, Georgia | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Boone, Kentucky | 1 | $ 199,000 | $ 199,000 | $ 75,000 |
| Boyle, Kentucky | 1 | $ 114,000 | $ 114,000 | $ 44,000 |
| Carroll, Kentucky | 1 | $ 211,000 | $ 211,000 | $ 59,000 |
| Casey, Kentucky | 1 | $ 124,000 | $ 124,000 | $ 23,000 |
| Jessamine, Kentucky | 1 | $ 340,000 | $ 340,000 | $ 66,000 |
| Meade, Kentucky | 1 | $ 122,000 | $ 122,000 | $ 70,000 |
| Perry, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Shelby, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 123,000 |
| Campbell, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Sevier, Tennessee | 1 | $ 289,000 | $ 289,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cumberland Valley National Bank & Trust Co in 2013
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 | 268 | $41,523,000 | $154,000 | $3,403,000 | $85,000 | $570,000 |
| Home Purchase | 104 | $12,604,000 | $121,000 | $460,000 | $77,000 | $469,000 |
| Home Improvement | 49 | $907,000 | $18,000 | $126,000 | $41,000 | $215,000 |
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 | 378 | $44,122,000 | $116,000 | $536,000 | $84,000 | $570,000 |
| Not applicable | 28 | $9,510,000 | $339,000 | $3,403,000 | $0 | $0 |
| Not Provided | 7 | $334,000 | $47,000 | $80,000 | $43,000 | $107,000 |
| Asian | 3 | $448,000 | $149,000 | $184,000 | $183,000 | $469,000 |
| Hispanic | 3 | $152,000 | $50,000 | $60,000 | $21,000 | $37,000 |
| Black or African American | 2 | $468,000 | $234,000 | $415,000 | $182,000 | $316,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 421 | $55,034,000 | $130,000 | $3,403,000 | $78,000 | $570,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 322 | $45,731,000 | $142,000 | $3,403,000 | $83,000 | $570,000 |
| Application Denied By Financial Institution | 65 | $5,004,000 | $76,000 | $273,000 | $52,000 | $451,000 |
| Application Withdrawn By Applicant | 26 | $3,379,000 | $129,000 | $320,000 | $76,000 | $350,000 |
| Application Approved But Not Accepted | 8 | $920,000 | $115,000 | $417,000 | $99,000 | $188,000 |
| 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 | 30 | $1,407,000 | $46,000 | $177,000 | $50,000 | $451,000 |
| Debt-To-Income Ratio | 22 | $2,268,000 | $103,000 | $273,000 | $53,000 | $180,000 |
| Collateral | 10 | $1,010,000 | $101,000 | $180,000 | $58,000 | $79,000 |
| Unverifiable Information | 2 | $222,000 | $111,000 | $120,000 | $40,000 | $53,000 |
| Other | 1 | $97,000 | $97,000 | $97,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cumberland Valley National Bank & Trust Co's 2013 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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