Cumberland Valley National Bank & Trust in Kentucky vs the state
11.3%Denial rate-7.51 pts vs state
11.4%Decision denial rate-12.09 pts vs state
87.0%Origination rate+28.92 pts vs state
—Median rate
—Rate spread (pts)
$122kMedian applicant income
100Loans originated
13Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 128 | 12.7% | — | #146 |
| 2024 | 127 | 111 | 8.7% | — | #169 |
| 2025 | 115 | 100 | 11.3% | — | #195 |
What Cumberland Valley National Bank & Trust lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Cumberland Valley National Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurel County | 32 | 26 | 5 | 15.6% |
| Madison County | 28 | 28 | 0 | 0.0% |
| Jefferson County | 9 | 9 | 0 | 0.0% |
| Fayette County | 9 | 8 | 1 | 11.1% |
| Whitley County | 8 | 6 | 2 | 25.0% |
| Pulaski County | 7 | 5 | 1 | 14.3% |
| Knox County | 5 | 3 | 2 | 40.0% |
| Scott County | 2 | 2 | 0 | 0.0% |
| Estill County | 2 | 1 | 1 | 50.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 115 applications in 2025, of which 100 were originated and 13 denied.
11.3% of all applications, or 11.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Cumberland Valley National Bank & Trust's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology