Cumberland Valley National Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
26th10.9% deniedProcesswithdrawn + incomplete share, weight 15%
81st0.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 170 | 132 | 12.9% | 14.3% | — | $34M |
| 2024 | 133 | 117 | 8.3% | 8.6% | — | $29M |
| 2025 | 120 | 105 | 10.8% | 10.9% | — | $56M |
What Cumberland Valley National Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 61 investment properties.
Why Cumberland Valley National Bank & Trust denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cumberland Valley National Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 20 | 15 | 21.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 25 | 22 | 12.0% |
Where Cumberland Valley National Bank & Trust lends
5 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kentucky | 115 | 100 | 11.3% | — | #195 |
Frequently asked questions
Cumberland Valley National Bank & Trust denied 10.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 26th percentile of investment-property lenders.
The most common reason Cumberland Valley National Bank & Trust gave in 2025 was "credit history", cited on 53.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 56% of its applications were for home purchases, 33% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 98% conventional, 2% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.