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Cumberland Valley National Bank & Trust Co

London, KY

Cumberland Valley National Bank & Trust Co processed 133 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 117 loans with a 8.3% denial rate. Home Purchase was the primary loan purpose. Based in London, KY. The approval rate of 88.0% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Cumberland Valley National Bank & Trust Co's 88.0% origination rate tells you how often an application turned into funded money; the 8.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (131 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

133
Applications
117
Originated
8.3%
Denial Rate
$235,827
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 131 117 10 $237,977
USDA 1 0 1 $75,000
FHA 1 0 0 $115,000

Top loan types - Cumberland Valley National Bank & Trust Co

Top loan types - Cumberland Valley National Bank & Trust Co Horizontal bar chart of the top 3 items by value (applications). Top loan types - Cumberland Valley National Bank & Trust Co Top 3 1. Conventional 131 2. USDA 1 3. FHA 1 Top 5 loan types by application volume at Cumberland Valley National Bank & Trust Co (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Cumberland Valley National Bank & Trust Co (LEI: 549300OULGV8ZW0JV320) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
5
Debt-to-income ratio
3
Collateral
1
Unverifiable information
1
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 81 75 $264,506
Refinancing 20 18 $306,500
Cash-out Refinancing 14 8 $126,429
Other 11 10 $122,273
Home Improvement 7 6 $99,286

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 76 84.2% 10.5%
Asian * 2 50.0% 50.0%
Black or African American * 1 100.0% 0.0%
Joint * 1 0.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 78 83.3% 11.5%
Joint * 1 0.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in KY

Other HMDA-reporting lenders in KY with similar activity. Compare any two side-by-side.

Stockton Mortgage Corporation

FRANKFORT, KY

12,011 apps 7,797 originated 6.5% denied

Liberty Federal Credit Union

Louisville, KY

6,132 apps 4,679 originated 7.9% denied

Farm Credit Mid-America, Aca

LOUISVILLE, KY

5,902 apps 4,311 originated 10.4% denied

Magnolia Bank

Elizabethtown, KY

5,338 apps 4,002 originated 7.8% denied

Republic Bank & Trust

LOUISVILLE, KY

3,866 apps 2,192 originated 13.1% denied
Compare Cumberland Valley National Bank & Trust Co vs Stockton Mortgage Corporation →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Cumberland Valley National Bank & Trust Co process?
Cumberland Valley National Bank & Trust Co processed 133 mortgage applications in the 2024 HMDA reporting year. Of these, 117 were originated (approved and funded), 5 were withdrawn by the applicant, and 11 were denied.
What is Cumberland Valley National Bank & Trust Co's mortgage approval rate?
Cumberland Valley National Bank & Trust Co has an approval (origination) rate of 88.0%, meaning 88.0% of all applications resulted in a funded mortgage. The denial rate is 8.3%.
What is the average loan amount at Cumberland Valley National Bank & Trust Co?
The average mortgage loan amount at Cumberland Valley National Bank & Trust Co is $235,827.
What are the most common reasons for mortgage denial at Cumberland Valley National Bank & Trust Co?
The most common reasons for mortgage denial at Cumberland Valley National Bank & Trust Co are: Credit history, Debt-to-income ratio, Collateral. In total, 11 applications were denied out of 133 total applications.
What types of mortgage loans does Cumberland Valley National Bank & Trust Co offer?
Cumberland Valley National Bank & Trust Co processes Conventional, USDA, FHA loans. The most common type is Conventional with 131 applications and an average loan amount of $237,977.
What loan purposes does Cumberland Valley National Bank & Trust Co serve?
Cumberland Valley National Bank & Trust Co serves the following loan purposes: Home Purchase (81 applications), Refinancing (20 applications), Cash-out Refinancing (14 applications), Other (11 applications), Home Improvement (7 applications). Home Purchase is the most common purpose.
Where is Cumberland Valley National Bank & Trust Co located?
Cumberland Valley National Bank & Trust Co is headquartered in London, KY. The lender is identified by LEI 549300OULGV8ZW0JV320 in HMDA data.
How does Cumberland Valley National Bank & Trust Co compare in lending across racial demographics?
Cumberland Valley National Bank & Trust Co reports demographic lending data under HMDA requirements. White applicants have an approval rate of 84.2% and denial rate of 10.5%; Asian applicants have an approval rate of 50.0% and denial rate of 50.0%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.