Applications / Mortgage Analytics / Lenders / Kentucky / Cumberland Valley National Bank & Trust Company
London, KY · National bank · OCC · $815 million assets · 105 loans in 2025
Cumberland Valley National Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
105
loans originated, 2025
120
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cumberland Valley National Bank & Trust Company made fewer loans in 2025 while similar lenders grew, yet the dollars it lent about doubled.
It made 105 loans, down 10% from 117. Similar lenders, national banks making between half and twice as many loans, grew 7%, and its fall was steeper than about four in five of theirs. Yet the amount it lent rose from $28.9 million to $56.5 million. Its typical loan rose to $215,000, against $177,500 at peers. A few large loans could account for much of the jump.
It made 403 loans in 2020 and fewer in each year since. The data cannot say whether demand fell or the bank chose to lend less.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 24.8% of its loans, against 15.0% at peers, more than at about three-quarters of them. But LMI borrowers took only 9.2%, against 23.5%, lower than nearly nine in ten peers. It may lend in poorer areas to the better-off households there. On 105 loans, a handful can move either figure.
Its share in Louisville rose 0.3 points to 0.3%, and it ranked 79 of 510 lenders. In Lexington its share fell from 0.3% to 0.1%, a change a handful of loans could explain. In non-metro Kentucky, where it has lent since 1999, it ranked 60 of 537.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cumberland Valley National Bank & Trust Company took 120 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Refinance 28.6% · Home improvement 5.7% · Other 5.7%
Conventional 100.0% · of 105 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 100 | 95.2% |
| Tennessee | 2 | 1.9% |
| Florida | 1 | 1.0% |
| Indiana | 1 | 1.0% |
| Ohio | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 11 |
| Louisville/Jefferson County | 10 |
| Cincinnati | 2 |
| Evansville | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Paducah | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OULGV8ZW0JV320 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 647218 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110254 | 1999–2017 |
Established 1 January 1904. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Cumberland Valley National Bank & Trust Company's data.
Cumberland Valley National Bank & Trust Company's data
$215
Cumberland Valley National Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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