American Bank & Trust Company Inc. Mortgage Lending & HMDA Data, 2008
In 2008, American Bank & Trust Company Inc. of Bowling Green, KY reported 480 mortgage applications totaling $55.6 million, up 34% from 2007. The average application was for $115,800, and applicants reported an average income of $74,337. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Bowling Green, KY (404), Elizabethtown, KY (19) and Clarksville, TN-KY (3) (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 | 480 |
| Total Mortgage Loan Application Amount | $55,584,000 |
| Average Mortgage Loan Application Amount | $115,800 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $74,337 |
| Highest Applicant Income | $649,000 |
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American Bank & Trust Company Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren, Kentucky | 400 | $ 47,196,000 | $ 117,990 | $ 65,000 |
| Hardin, Kentucky | 19 | $ 1,798,000 | $ 94,631 | $ 15,000 |
| Logan, Kentucky | 10 | $ 2,264,000 | $ 226,400 | $ 119,000 |
| Simpson, Kentucky | 10 | $ 618,000 | $ 61,800 | $ 108,000 |
| Allen, Kentucky | 9 | $ 884,000 | $ 98,222 | $ 125,000 |
| Edmonson, Kentucky | 4 | $ 181,000 | $ 45,250 | $ 61,000 |
| Barren, Kentucky | 3 | $ 455,000 | $ 151,666 | $ 92,000 |
| Adair, Kentucky | 2 | $ 173,000 | $ 86,500 | $ 461,000 |
| Butler, Kentucky | 2 | $ 109,000 | $ 54,500 | $ 135,000 |
| Christian, Kentucky | 2 | $ 155,000 | $ 77,500 | $ 467,000 |
| Daviess, Kentucky | 2 | $ 90,000 | $ 45,000 | $ 106,000 |
| Fayette, Kentucky | 2 | $ 99,000 | $ 49,500 | $ 74,000 |
| Jefferson, Kentucky | 2 | $ 153,000 | $ 76,500 | $ 96,000 |
| Bullitt, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Grayson, Kentucky | 1 | $ 37,000 | $ 37,000 | $ 80,000 |
| Hart, Kentucky | 1 | $ 32,000 | $ 32,000 | $ 460,000 |
| Lincoln, Kentucky | 1 | $ 87,000 | $ 87,000 | $ 460,000 |
| McCracken, Kentucky | 1 | $ 199,000 | $ 199,000 | $ 144,000 |
| Metcalfe, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 456,000 |
| Monroe, Kentucky | 1 | $ 20,000 | $ 20,000 | $ 456,000 |
| Muhlenberg, Kentucky | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Nicholas, Kentucky | 1 | $ 36,000 | $ 36,000 | $ 79,000 |
| Russell, Kentucky | 1 | $ 24,000 | $ 24,000 | $ 467,000 |
| Trigg, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 54,000 |
| Beaufort, South Carolina | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 310,000 | $ 310,000 | $ 0 |
Mortgage Loan Application Detail Totals for American Bank & Trust Company Inc. in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 230 | $28,279,000 | $122,000 | $2,300,000 | $70,000 | $649,000 |
| Home Purchase | 222 | $25,721,000 | $115,000 | $935,000 | $79,000 | $579,000 |
| Home Improvement | 28 | $1,584,000 | $56,000 | $712,000 | $73,000 | $456,000 |
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 | 332 | $37,556,000 | $113,000 | $1,100,000 | $103,000 | $649,000 |
| Not applicable | 126 | $15,587,000 | $123,000 | $2,300,000 | $0 | $0 |
| Black or African American | 10 | $1,055,000 | $105,000 | $222,000 | $99,000 | $168,000 |
| Hispanic | 6 | $788,000 | $131,000 | $187,000 | $35,000 | $50,000 |
| Asian | 6 | $598,000 | $99,000 | $125,000 | $47,000 | $72,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 480 | $55,584,000 | $115,000 | $2,300,000 | $74,000 | $649,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 443 | $51,586,000 | $116,000 | $2,300,000 | $76,000 | $649,000 |
| Application Withdrawn By Applicant | 19 | $2,523,000 | $132,000 | $400,000 | $64,000 | $240,000 |
| Application Denied By Financial Institution | 18 | $1,475,000 | $81,000 | $150,000 | $49,000 | $155,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank & Trust Company Inc.'s 2008 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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