American Bank & Trust Company Inc. Mortgage Lending & HMDA Data, 2025
In 2025, American Bank & Trust Company Inc. of Bowling Green, KY reported 350 mortgage applications totaling $149.7 million, up 14% from 2024. The average application was for $427,600, and applicants reported an average income of $152,371. 84% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Bowling Green, KY (317), Lexington-Fayette, KY (3) and Cincinnati, OH-KY-IN (2) (applications in parentheses).
| Mortgage Company & Address | American Bank & Trust Company Inc. 1302 Scottsville Road Bowling Green, KY 42102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 350 |
| Total Mortgage Loan Application Amount | $149,660,000 |
| Average Mortgage Loan Application Amount | $427,600 |
| Highest Mortgage Loan Application Amount | $24,105,000 |
| Average Applicant Income | $152,371 |
| Highest Applicant Income | $1,320,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Bank & Trust Company Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for American Bank & Trust Company Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 203 | $95,355,000 | $469,000 | $24,105,000 | $154,000 | $1,320,000 |
| Refinancing | 107 | $45,355,000 | $423,000 | $19,005,000 | $136,000 | $1,240,000 |
| Cash-out Refinancing | 31 | $8,145,000 | $262,000 | $1,395,000 | $208,000 | $981,000 |
| Home Improvement | 6 | $580,000 | $96,000 | $285,000 | $139,000 | $284,000 |
| Other Purpose | 3 | $225,000 | $75,000 | $125,000 | $78,000 | $83,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 188 | $49,010,000 | $260,000 | $865,000 | $158,000 | $1,320,000 |
| Not applicable | 143 | $97,045,000 | $678,000 | $24,105,000 | $0 | $0 |
| Asian | 5 | $635,000 | $127,000 | $195,000 | $59,000 | $88,000 |
| Black or African American | 5 | $1,345,000 | $269,000 | $365,000 | $113,000 | $153,000 |
| Hispanic | 5 | $665,000 | $133,000 | $205,000 | $76,000 | $111,000 |
| Not Provided | 2 | $500,000 | $250,000 | $335,000 | $29,000 | $30,000 |
| American Indian or Alaskan Native | 2 | $460,000 | $230,000 | $265,000 | $89,000 | $137,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 349 | $149,435,000 | $428,000 | $24,105,000 | $151,000 | $1,320,000 |
| FHA-insured (Federal Housing Administration) | 1 | $225,000 | $225,000 | $225,000 | $34,000 | $34,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 295 | $132,655,000 | $449,000 | $24,105,000 | $150,000 | $1,240,000 |
| Application Withdrawn By Applicant | 37 | $11,215,000 | $303,000 | $645,000 | $137,000 | $682,000 |
| Application Denied By Financial Institution | 13 | $4,195,000 | $322,000 | $805,000 | $175,000 | $1,320,000 |
| Application Approved But Not Accepted | 4 | $1,240,000 | $310,000 | $485,000 | $203,000 | $242,000 |
| File Closed For Incompleteness | 1 | $355,000 | $355,000 | $355,000 | $220,000 | $220,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 350 | $149,660,000 | $427,000 | $24,105,000 | $151,000 | $1,320,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank & Trust Company Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess American Bank & Trust Company Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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