Cumberland Valley National Bank & Trust Co Mortgage Lending & HMDA Data, 2021
In 2021, Cumberland Valley National Bank & Trust Co of London, KY reported 382 mortgage applications totaling $141.1 million, down 17% from 2020. The average application was for $369,267, and applicants reported an average income of $129,073. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lexington-Fayette, KY (81), Cincinnati, OH-KY-IN (17) and Louisville/Jefferson County, KY-IN (13) (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 | 382 |
| Total Mortgage Loan Application Amount | $141,060,000 |
| Average Mortgage Loan Application Amount | $369,267 |
| Highest Mortgage Loan Application Amount | $19,945,000 |
| Average Applicant Income | $129,073 |
| Highest Applicant Income | $1,099,000 |
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Valley National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Madison, Kentucky | 71 | $ 57,195,000 | $ 805,563 | $ 122,000 |
| Laurel, Kentucky | 67 | $ 10,405,000 | $ 155,298 | $ 106,000 |
| Fayette, Kentucky | 63 | $ 18,615,000 | $ 295,476 | $ 206,000 |
| Whitley, Kentucky | 27 | $ 5,475,000 | $ 202,777 | $ 152,000 |
| Pulaski, Kentucky | 25 | $ 3,115,000 | $ 124,600 | $ 93,000 |
| Knox, Kentucky | 13 | $ 3,295,000 | $ 253,461 | $ 119,000 |
| Jefferson, Kentucky | 11 | $ 1,545,000 | $ 140,454 | $ 124,000 |
| Jessamine, Kentucky | 10 | $ 6,830,000 | $ 683,000 | $ 154,000 |
| Jackson, Kentucky | 7 | $ 795,000 | $ 113,571 | $ 78,000 |
| Boone, Kentucky | 6 | $ 900,000 | $ 150,000 | $ 88,000 |
| Rockcastle, Kentucky | 6 | $ 800,000 | $ 133,333 | $ 70,000 |
| Boyle, Kentucky | 5 | $ 905,000 | $ 181,000 | $ 61,000 |
| Franklin, Kentucky | 5 | $ 835,000 | $ 167,000 | $ 150,000 |
| Garrard, Kentucky | 5 | $ 825,000 | $ 165,000 | $ 89,000 |
| Hamilton, Ohio | 5 | $ 14,665,000 | $ 2,933,000 | $ 0 |
| Clay, Kentucky | 4 | $ 370,000 | $ 92,500 | $ 62,000 |
| Kenton, Kentucky | 4 | $ 630,000 | $ 157,500 | $ 85,000 |
| Scott, Kentucky | 4 | $ 820,000 | $ 205,000 | $ 115,000 |
| Warren, Kentucky | 4 | $ 4,290,000 | $ 1,072,500 | $ 88,000 |
| Clark, Kentucky | 3 | $ 685,000 | $ 228,333 | $ 75,000 |
| Taylor, Kentucky | 3 | $ 435,000 | $ 145,000 | $ 41,000 |
| Campbell, Kentucky | 2 | $ 380,000 | $ 190,000 | $ 80,000 |
| Casey, Kentucky | 2 | $ 600,000 | $ 300,000 | $ 119,000 |
| Daviess, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 87,000 |
| Estill, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 66,000 |
| McCreary, Kentucky | 2 | $ 240,000 | $ 120,000 | $ 54,000 |
| Baldwin, Alabama | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Manatee, Florida | 1 | $ 85,000 | $ 85,000 | $ 300,000 |
| Carroll, Georgia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Anderson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Barren, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Bath, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Boyd, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Bullitt, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Carter, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Greenup, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Lincoln, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 133,000 |
| Montgomery, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Oldham, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Owen, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 193,000 |
| Rowan, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 57,000 |
| Wayne, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Woodford, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Oakland, Michigan | 1 | $ 365,000 | $ 365,000 | $ 189,000 |
| Gallatin, Montana | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Pasquotank, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Charleston, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 166,000 |
| Blount, Tennessee | 1 | $ 1,305,000 | $ 1,305,000 | $ 752,000 |
| Campbell, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 400,000 |
| Sevier, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cumberland Valley National Bank & Trust Co 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 156 | $92,970,000 | $595,000 | $19,945,000 | $150,000 | $1,017,000 |
| Refinancing | 153 | $35,855,000 | $234,000 | $3,945,000 | $120,000 | $1,099,000 |
| Cash-out Refinancing | 71 | $12,135,000 | $170,000 | $545,000 | $102,000 | $400,000 |
| Home Improvement | 2 | $100,000 | $50,000 | $55,000 | $152,000 | $172,000 |
| 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 | 297 | $54,105,000 | $182,000 | $1,305,000 | $117,000 | $1,017,000 |
| Not applicable | 58 | $80,560,000 | $1,388,000 | $19,945,000 | $0 | $0 |
| Asian | 14 | $2,990,000 | $213,000 | $545,000 | $282,000 | $526,000 |
| Not Provided | 8 | $1,720,000 | $215,000 | $365,000 | $233,000 | $1,099,000 |
| Black or African American | 4 | $1,260,000 | $315,000 | $805,000 | $112,000 | $209,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 382 | $141,060,000 | $369,000 | $19,945,000 | $127,000 | $1,099,000 |
| 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 | 332 | $130,200,000 | $392,000 | $19,945,000 | $129,000 | $1,099,000 |
| File Closed For Incompleteness | 19 | $4,655,000 | $245,000 | $725,000 | $121,000 | $322,000 |
| Application Withdrawn By Applicant | 18 | $4,180,000 | $232,000 | $775,000 | $105,000 | $200,000 |
| Application Denied By Financial Institution | 13 | $2,025,000 | $155,000 | $745,000 | $101,000 | $300,000 |
| Application Approved But Not Accepted | 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 | 369 | $139,035,000 | $376,000 | $19,945,000 | $128,000 | $1,099,000 |
| Collateral | 7 | $505,000 | $72,000 | $95,000 | $89,000 | $300,000 |
| Debt-To-Income Ratio | 3 | $485,000 | $161,000 | $235,000 | $73,000 | $93,000 |
| Other | 2 | $880,000 | $440,000 | $745,000 | $186,000 | $276,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $71,000 | $71,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cumberland Valley National Bank & Trust Co'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 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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