American Bank & Trust Company Inc. Mortgage Lending & HMDA Data, 2005
In 2005, American Bank & Trust Company Inc. of Bowling Green, KY reported 425 mortgage applications totaling $32.7 million, up 59% from 2004. The average application was for $77,014, and applicants reported an average income of $64,597. 91% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Bowling Green, KY (401) and Nashville-Davidson--Murfreesboro, TN (2).
| 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 | 425 |
| Total Mortgage Loan Application Amount | $32,731,000 |
| Average Mortgage Loan Application Amount | $77,014 |
| Highest Mortgage Loan Application Amount | $870,000 |
| Average Applicant Income | $64,597 |
| Highest Applicant Income | $834,000 |
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American Bank & Trust Company Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bowling Green, KY | 401 | $ 29,876,000 | $ 74,503 | $ 73,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 324,000 | $ 162,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for American Bank & Trust Company Inc. in 2005
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 | 272 | $15,118,000 | $108,000 | $870,000 | $84,500 | $375,000 |
| Home Purchase | 139 | $17,356,000 | $268,666 | $636,000 | $51,333 | $834,000 |
| Home Improvement | 14 | $257,000 | $18,000 | $60,000 | $59,000 | $108,000 |
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 | 270 | $25,901,000 | $218,666 | $636,000 | $89,000 | $834,000 |
| Not applicable | 135 | $5,542,000 | $162,000 | $870,000 | $0 | $0 |
| Asian | 15 | $678,000 | $45,000 | $104,000 | $95,000 | $150,000 |
| Black or African American | 4 | $510,000 | $127,000 | $238,000 | $50,000 | $100,000 |
| Hispanic | 1 | $100,000 | $100,000 | $100,000 | $42,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 425 | $32,731,000 | $230,500 | $870,000 | $64,000 | $834,000 |
| 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 | 386 | $27,989,000 | $229,250 | $870,000 | $65,000 | $834,000 |
| Application Withdrawn By Applicant | 20 | $2,187,000 | $109,000 | $280,000 | $53,000 | $102,000 |
| Application Approved But Not Accepted | 11 | $1,548,000 | $140,000 | $500,000 | $55,000 | $265,000 |
| Application Denied By Financial Institution | 8 | $1,007,000 | $125,000 | $238,000 | $68,000 | $100,000 |
| 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 2005 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.
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