Cumberland Valley National Bank & Trust Co Mortgage Lending & HMDA Data, 2022
In 2022, Cumberland Valley National Bank & Trust Co of London, KY reported 221 mortgage applications totaling $55.3 million, down 42% from 2021. The average application was for $250,248, and applicants reported an average income of $143,339. 86% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lexington-Fayette, KY (42), Louisville/Jefferson County, KY-IN (5) and Cincinnati, OH-KY-IN (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 | 221 |
| Total Mortgage Loan Application Amount | $55,305,000 |
| Average Mortgage Loan Application Amount | $250,248 |
| Highest Mortgage Loan Application Amount | $3,405,000 |
| Average Applicant Income | $143,339 |
| Highest Applicant Income | $2,856,000 |
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Valley National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 55 | $ 15,065,000 | $ 273,909 | $ 143,000 |
| Laurel, Kentucky | 49 | $ 7,095,000 | $ 144,795 | $ 90,000 |
| Fayette, Kentucky | 30 | $ 7,970,000 | $ 265,666 | $ 189,000 |
| Whitley, Kentucky | 15 | $ 1,825,000 | $ 121,666 | $ 76,000 |
| Pulaski, Kentucky | 13 | $ 2,325,000 | $ 178,846 | $ 90,000 |
| Knox, Kentucky | 5 | $ 555,000 | $ 111,000 | $ 47,000 |
| Clark, Kentucky | 4 | $ 1,270,000 | $ 317,500 | $ 198,000 |
| Jackson, Kentucky | 4 | $ 910,000 | $ 227,500 | $ 179,000 |
| Jefferson, Kentucky | 4 | $ 790,000 | $ 197,500 | $ 184,000 |
| Scott, Kentucky | 4 | $ 910,000 | $ 227,500 | $ 98,000 |
| Jessamine, Kentucky | 3 | $ 875,000 | $ 291,666 | $ 107,000 |
| Mercer, Kentucky | 3 | $ 1,825,000 | $ 608,333 | $ 67,000 |
| Boyle, Kentucky | 2 | $ 2,260,000 | $ 1,130,000 | $ 0 |
| Campbell, Kentucky | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Casey, Kentucky | 2 | $ 140,000 | $ 70,000 | $ 49,000 |
| McCreary, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 58,000 |
| Wolfe, Kentucky | 2 | $ 680,000 | $ 340,000 | $ 270,000 |
| Horry, South Carolina | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Chatham, Georgia | 1 | $ 1,825,000 | $ 1,825,000 | $ 696,000 |
| Adair, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Bourbon, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Clay, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Estill, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 219,000 |
| Garrard, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Henry, Kentucky | 1 | $ 445,000 | $ 445,000 | $ 180,000 |
| Lincoln, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Mason, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 138,000 |
| Perry, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Powell, Kentucky | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Rowan, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 97,000 |
| Taylor, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 50,000 |
| New York, New York | 1 | $ 555,000 | $ 555,000 | $ 595,000 |
| Graham, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Beaufort, South Carolina | 1 | $ 3,405,000 | $ 3,405,000 | $ 2,856,000 |
| Campbell, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Davidson, Tennessee | 1 | $ 905,000 | $ 905,000 | $ 297,000 |
| Rutherford, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cumberland Valley National Bank & Trust Co in 2022
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 | 126 | $32,210,000 | $255,000 | $3,405,000 | $154,000 | $2,856,000 |
| Refinancing | 49 | $15,025,000 | $306,000 | $2,005,000 | $147,000 | $579,000 |
| Cash-out Refinancing | 39 | $7,665,000 | $196,000 | $1,505,000 | $111,000 | $708,000 |
| Home Improvement | 5 | $315,000 | $63,000 | $135,000 | $124,000 | $174,000 |
| Other Purpose | 2 | $90,000 | $45,000 | $65,000 | $61,000 | $66,000 |
| Not Applicable | 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 | 145 | $32,395,000 | $223,000 | $3,405,000 | $137,000 | $2,856,000 |
| Not applicable | 59 | $18,425,000 | $312,000 | $2,005,000 | $0 | $0 |
| Asian | 8 | $2,400,000 | $300,000 | $555,000 | $214,000 | $595,000 |
| Black or African American | 5 | $1,405,000 | $281,000 | $475,000 | $181,000 | $384,000 |
| Not Provided | 3 | $435,000 | $145,000 | $225,000 | $80,000 | $163,000 |
| American Indian or Alaskan Native | 1 | $245,000 | $245,000 | $245,000 | $105,000 | $105,000 |
| 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) | 212 | $53,890,000 | $254,000 | $3,405,000 | $146,000 | $2,856,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $910,000 | $151,000 | $235,000 | $44,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 2 | $280,000 | $140,000 | $145,000 | $34,000 | $37,000 |
| VA-guaranteed (Veterans Administration) | 1 | $225,000 | $225,000 | $225,000 | $45,000 | $45,000 |
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 | 190 | $49,920,000 | $262,000 | $3,405,000 | $152,000 | $2,856,000 |
| Application Denied By Financial Institution | 19 | $2,475,000 | $130,000 | $275,000 | $75,000 | $384,000 |
| Application Withdrawn By Applicant | 10 | $2,360,000 | $236,000 | $625,000 | $79,000 | $143,000 |
| File Closed For Incompleteness | 2 | $550,000 | $275,000 | $355,000 | $283,000 | $503,000 |
| 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 | 202 | $52,830,000 | $261,000 | $3,405,000 | $149,000 | $2,856,000 |
| Credit History | 11 | $1,225,000 | $111,000 | $275,000 | $57,000 | $122,000 |
| Debt-To-Income Ratio | 7 | $1,105,000 | $157,000 | $225,000 | $109,000 | $384,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $37,000 | $37,000 |
| 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 |
| Collateral | 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 2022 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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