Cumberland Valley National Bank & Trust Co Mortgage Lending & HMDA Data, 2015
In 2015, Cumberland Valley National Bank & Trust Co of London, KY reported 304 mortgage applications totaling $36.4 million, up 24% from 2014. The average application was for $119,855, and applicants reported an average income of $78,848. 80% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Lexington-Fayette, KY (26), Louisville/Jefferson County, KY-IN (12) and Tampa-St. Petersburg-Clearwater, FL (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 | 304 |
| Total Mortgage Loan Application Amount | $36,436,000 |
| Average Mortgage Loan Application Amount | $119,855 |
| Highest Mortgage Loan Application Amount | $1,115,000 |
| Average Applicant Income | $78,848 |
| Highest Applicant Income | $2,070,000 |
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Valley National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 99 | $ 7,528,000 | $ 76,040 | $ 69,000 |
| Madison, Kentucky | 75 | $ 10,589,000 | $ 141,186 | $ 63,000 |
| Pulaski, Kentucky | 26 | $ 4,135,000 | $ 159,038 | $ 59,000 |
| Whitley, Kentucky | 25 | $ 3,016,000 | $ 120,640 | $ 43,000 |
| Fayette, Kentucky | 20 | $ 4,396,000 | $ 219,800 | $ 113,000 |
| Knox, Kentucky | 16 | $ 1,097,000 | $ 68,562 | $ 45,000 |
| Jefferson, Kentucky | 5 | $ 505,000 | $ 101,000 | $ 35,000 |
| Oldham, Kentucky | 5 | $ 969,000 | $ 193,800 | $ 108,000 |
| Clay, Kentucky | 4 | $ 502,000 | $ 125,500 | $ 120,000 |
| Jackson, Kentucky | 4 | $ 247,000 | $ 61,750 | $ 45,000 |
| Jessamine, Kentucky | 3 | $ 569,000 | $ 189,666 | $ 71,000 |
| Clark, Kentucky | 2 | $ 277,000 | $ 138,500 | $ 67,000 |
| Garrard, Kentucky | 2 | $ 86,000 | $ 43,000 | $ 62,000 |
| McCreary, Kentucky | 2 | $ 108,000 | $ 54,000 | $ 27,000 |
| Sevier, Tennessee | 2 | $ 492,000 | $ 246,000 | $ 0 |
| Hernando, Florida | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Hillsborough, Florida | 1 | $ 158,000 | $ 158,000 | $ 573,000 |
| Orange, Florida | 1 | $ 227,000 | $ 227,000 | $ 708,000 |
| Pinellas, Florida | 1 | $ 75,000 | $ 75,000 | $ 2,070,000 |
| Clark, Indiana | 1 | $ 100,000 | $ 100,000 | $ 81,000 |
| Bullitt, Kentucky | 1 | $ 276,000 | $ 276,000 | $ 96,000 |
| Casey, Kentucky | 1 | $ 30,000 | $ 30,000 | $ 851,000 |
| Daviess, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Franklin, Kentucky | 1 | $ 124,000 | $ 124,000 | $ 73,000 |
| Perry, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Rockcastle, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 39,000 |
| Woodford, Kentucky | 1 | $ 253,000 | $ 253,000 | $ 47,000 |
| Ross, Ohio | 1 | $ 43,000 | $ 43,000 | $ 24,000 |
| Orangeburg, South Carolina | 1 | $ 140,000 | $ 140,000 | $ 220,000 |
Mortgage Loan Application Detail Totals for Cumberland Valley National Bank & Trust Co in 2015
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 | 131 | $18,956,000 | $144,000 | $1,000,000 | $72,000 | $573,000 |
| Home Purchase | 116 | $16,111,000 | $138,000 | $1,115,000 | $87,000 | $851,000 |
| Home Improvement | 57 | $1,369,000 | $24,000 | $320,000 | $78,000 | $2,070,000 |
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 | 265 | $27,551,000 | $103,000 | $673,000 | $85,000 | $2,070,000 |
| Not applicable | 34 | $7,935,000 | $233,000 | $1,115,000 | $0 | $0 |
| Asian | 3 | $614,000 | $204,000 | $227,000 | $430,000 | $708,000 |
| Not Provided | 2 | $336,000 | $168,000 | $330,000 | $73,000 | $102,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 304 | $36,436,000 | $119,000 | $1,115,000 | $79,000 | $2,070,000 |
| 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 | 243 | $30,259,000 | $124,000 | $1,115,000 | $86,000 | $2,070,000 |
| Application Denied By Financial Institution | 35 | $3,151,000 | $90,000 | $330,000 | $40,000 | $150,000 |
| Application Withdrawn By Applicant | 16 | $1,722,000 | $107,000 | $253,000 | $59,000 | $113,000 |
| File Closed For Incompleteness | 5 | $835,000 | $167,000 | $261,000 | $100,000 | $142,000 |
| Application Approved But Not Accepted | 5 | $469,000 | $93,000 | $240,000 | $79,000 | $158,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 15 | $2,015,000 | $134,000 | $330,000 | $60,000 | $150,000 |
| Credit History | 14 | $574,000 | $41,000 | $225,000 | $20,000 | $57,000 |
| Collateral | 3 | $317,000 | $105,000 | $148,000 | $59,000 | $83,000 |
| Unverifiable Information | 2 | $122,000 | $61,000 | $62,000 | $21,000 | $31,000 |
| Employment History | 1 | $123,000 | $123,000 | $123,000 | $0 | $0 |
| 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 |
| 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 2015 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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