Cumberland Valley National Bank & Trust Company
Cumberland Valley National Bank & Trust Company received 120 applications in 2025 and made 105 mortgages, in 26 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $215,000. Of 119 decisions, 13 were denials — 10.9%, most often for credit history.
| Legal Entity Identifier | 549300OULGV8ZW0JV320 |
|---|---|
| Applications received | 120 |
| Mortgages made | 105 |
| Denied | 13 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Cumberland Valley National Bank & Trust Company, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 63 | Not published | $250,000 | 6.0% |
| Refinancing | 23 | Not published | $265,000 | 8.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 42.9% |
| Other purposes | 12 | Not published | $60,000 | 7.7% |
Where Cumberland Valley National Bank & Trust Company lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Madison County, KY | 28 | Not published | 0.0% |
| Laurel County, KY | 26 | Not published | 16.1% |
| Jefferson County, KY | 9 | Under 10 loans | 0.0% |
| Fayette County, KY | 8 | Under 10 loans | 11.1% |
| Whitley County, KY | 6 | Under 10 loans | 25.0% |
| Pulaski County, KY | 5 | Under 10 loans | 14.3% |
| Knox County, KY | 3 | Under 10 loans | 40.0% |
| Franklin County, KY | 2 | Under 10 loans | 0.0% |
| Scott County, KY | 2 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Warrick County, IN | 1 | Under 10 loans | 0.0% |
| Clark County, KY | 1 | Under 10 loans | 0.0% |
| Clinton County, KY | 1 | Under 10 loans | 0.0% |
| Estill County, KY | 1 | Under 10 loans | 50.0% |
| Garrard County, KY | 1 | Under 10 loans | 0.0% |
| Jackson County, KY | 1 | Under 10 loans | 0.0% |
| Kenton County, KY | 1 | Under 10 loans | 0.0% |
| Lee County, KY | 1 | Under 10 loans | 0.0% |
| McCracken County, KY | 1 | Under 10 loans | 0.0% |
| Mercer County, KY | 1 | Under 10 loans | 0.0% |
| Oldham County, KY | 1 | Under 10 loans | 0.0% |
| Rowan County, KY | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Rockcastle County, KY | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Cumberland Valley National Bank & Trust Company’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.