Cumberland Valley National Bank & Trust Co Mortgage Lending & HMDA Data, 2020
In 2020, Cumberland Valley National Bank & Trust Co of London, KY reported 460 mortgage applications totaling $85.3 million, up 213% from 2019. The average application was for $185,434, and applicants reported an average income of $120,173. 88% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Lexington-Fayette, KY (86), Louisville/Jefferson County, KY-IN (29) and Bowling Green, KY (6) (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 | 460 |
| Total Mortgage Loan Application Amount | $85,300,000 |
| Average Mortgage Loan Application Amount | $185,434 |
| Highest Mortgage Loan Application Amount | $3,235,000 |
| Average Applicant Income | $120,173 |
| Highest Applicant Income | $840,000 |
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Valley National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 98 | $ 15,180,000 | $ 154,897 | $ 100,000 |
| Fayette, Kentucky | 69 | $ 14,525,000 | $ 210,507 | $ 169,000 |
| Madison, Kentucky | 63 | $ 11,345,000 | $ 180,079 | $ 88,000 |
| Pulaski, Kentucky | 43 | $ 6,685,000 | $ 155,465 | $ 120,000 |
| Whitley, Kentucky | 27 | $ 3,635,000 | $ 134,629 | $ 97,000 |
| Jefferson, Kentucky | 20 | $ 3,580,000 | $ 179,000 | $ 136,000 |
| Knox, Kentucky | 13 | $ 2,495,000 | $ 191,923 | $ 169,000 |
| Jessamine, Kentucky | 7 | $ 1,535,000 | $ 219,285 | $ 134,000 |
| Anderson, Kentucky | 6 | $ 650,000 | $ 108,333 | $ 116,000 |
| Garrard, Kentucky | 6 | $ 1,100,000 | $ 183,333 | $ 152,000 |
| Jackson, Kentucky | 6 | $ 400,000 | $ 66,666 | $ 71,000 |
| Scott, Kentucky | 6 | $ 1,350,000 | $ 225,000 | $ 133,000 |
| Warren, Kentucky | 6 | $ 3,920,000 | $ 653,333 | $ 101,000 |
| Oldham, Kentucky | 5 | $ 1,095,000 | $ 219,000 | $ 198,000 |
| Rockcastle, Kentucky | 5 | $ 815,000 | $ 163,000 | $ 93,000 |
| Boone, Kentucky | 4 | $ 910,000 | $ 227,500 | $ 145,000 |
| Bullitt, Kentucky | 3 | $ 435,000 | $ 145,000 | $ 87,000 |
| Nelson, Kentucky | 3 | $ 505,000 | $ 168,333 | $ 112,000 |
| Bourbon, Kentucky | 2 | $ 490,000 | $ 245,000 | $ 129,000 |
| Boyle, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 43,000 |
| Clay, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 74,000 |
| Estill, Kentucky | 2 | $ 370,000 | $ 185,000 | $ 313,000 |
| Franklin, Kentucky | 2 | $ 460,000 | $ 230,000 | $ 127,000 |
| Menifee, Kentucky | 2 | $ 280,000 | $ 140,000 | $ 137,000 |
| Russell, Kentucky | 2 | $ 410,000 | $ 205,000 | $ 321,000 |
| Woodford, Kentucky | 2 | $ 600,000 | $ 300,000 | $ 91,000 |
| Delaware, Pennsylvania | 2 | $ 790,000 | $ 395,000 | $ 300,000 |
| Baldwin, Alabama | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Manatee, Florida | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Marion, Florida | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Miami-Dade, Florida | 1 | $ 115,000 | $ 115,000 | $ 86,000 |
| Bell, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Daviess, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Hardin, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 183,000 |
| Kenton, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Lincoln, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Marion, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Mason, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| McCracken, Kentucky | 1 | $ 365,000 | $ 365,000 | $ 320,000 |
| Montgomery, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Morgan, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| Rowan, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 135,000 |
| Spencer, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 135,000 |
| Trigg, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 127,000 |
| Wayne, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Greene, Ohio | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Hamilton, Ohio | 1 | $ 2,625,000 | $ 2,625,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 245,000 | $ 245,000 | $ 150,000 |
| Sevier, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cumberland Valley National Bank & Trust Co in 2020
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 | 216 | $39,830,000 | $184,000 | $845,000 | $131,000 | $840,000 |
| Home Purchase | 158 | $31,860,000 | $201,000 | $3,235,000 | $111,000 | $503,000 |
| Cash-out Refinancing | 84 | $13,460,000 | $160,000 | $375,000 | $108,000 | $320,000 |
| Home Improvement | 2 | $150,000 | $75,000 | $125,000 | $187,000 | $226,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 | 369 | $61,415,000 | $166,000 | $745,000 | $114,000 | $840,000 |
| Not applicable | 70 | $19,340,000 | $276,000 | $3,235,000 | $145,000 | $145,000 |
| Asian | 9 | $2,215,000 | $246,000 | $485,000 | $328,000 | $597,000 |
| Not Provided | 6 | $1,530,000 | $255,000 | $515,000 | $207,000 | $503,000 |
| Black or African American | 4 | $460,000 | $115,000 | $225,000 | $101,000 | $150,000 |
| Hispanic | 2 | $340,000 | $170,000 | $175,000 | $136,000 | $178,000 |
| 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) | 460 | $85,300,000 | $185,000 | $3,235,000 | $120,000 | $840,000 |
| 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 | 403 | $76,575,000 | $190,000 | $3,235,000 | $123,000 | $840,000 |
| Application Withdrawn By Applicant | 50 | $7,860,000 | $157,000 | $405,000 | $109,000 | $430,000 |
| Application Denied By Financial Institution | 7 | $865,000 | $123,000 | $345,000 | $90,000 | $160,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 453 | $84,435,000 | $186,000 | $3,235,000 | $121,000 | $840,000 |
| Collateral | 3 | $565,000 | $188,000 | $345,000 | $134,000 | $160,000 |
| Credit History | 3 | $175,000 | $58,000 | $75,000 | $54,000 | $68,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $31,000 | $31,000 |
| 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 |
| Debt-To-Income Ratio | 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 2020 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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