American Bank & Trust Company Inc. Mortgage Lending & HMDA Data, 2013
In 2013, American Bank & Trust Company Inc. of Bowling Green, KY reported 457 mortgage applications totaling $54.1 million, up 13% from 2012. The average application was for $118,409, and applicants reported an average income of $43,306. 87% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Bowling Green, KY (419), Cincinnati-Middletown, OH-KY-IN (1) and Lexington-Fayette, KY (1) (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 | 457 |
| Total Mortgage Loan Application Amount | $54,113,000 |
| Average Mortgage Loan Application Amount | $118,409 |
| Highest Mortgage Loan Application Amount | $2,055,000 |
| Average Applicant Income | $43,306 |
| Highest Applicant Income | $1,007,000 |
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American Bank & Trust Company Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 419 | $ 48,851,000 | $ 116,589 | $ 42,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 232,000 | $ 232,000 | $ 124,000 |
| Lexington-Fayette, KY | 1 | $ 147,000 | $ 147,000 | $ 276,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 142,000 | $ 142,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for American Bank & Trust Company Inc. in 2013
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 | 229 | $27,199,000 | $118,000 | $2,055,000 | $39,000 | $1,007,000 |
| Home Purchase | 172 | $22,767,000 | $132,000 | $1,433,000 | $41,000 | $294,000 |
| Home Improvement | 56 | $4,147,000 | $74,000 | $1,007,000 | $68,000 | $474,000 |
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 | 302 | $34,927,000 | $115,000 | $1,007,000 | $58,000 | $1,007,000 |
| Not applicable | 103 | $13,362,000 | $129,000 | $2,055,000 | $0 | $0 |
| Not Provided | 25 | $3,048,000 | $121,000 | $300,000 | $44,000 | $184,000 |
| Black or African American | 17 | $1,564,000 | $92,000 | $205,000 | $45,000 | $123,000 |
| Asian | 8 | $1,009,000 | $126,000 | $223,000 | $74,000 | $347,000 |
| Hispanic | 2 | $203,000 | $101,000 | $147,000 | $31,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 450 | $53,237,000 | $118,000 | $2,055,000 | $43,000 | $1,007,000 |
| FHA-insured (Federal Housing Administration) | 4 | $363,000 | $90,000 | $117,000 | $56,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 2 | $380,000 | $190,000 | $278,000 | $45,000 | $49,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $133,000 | $133,000 | $133,000 | $45,000 | $45,000 |
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 | 399 | $46,468,000 | $116,000 | $2,055,000 | $40,000 | $1,007,000 |
| Application Denied By Financial Institution | 28 | $3,651,000 | $130,000 | $278,000 | $55,000 | $115,000 |
| Application Withdrawn By Applicant | 22 | $3,095,000 | $140,000 | $275,000 | $77,000 | $347,000 |
| Application Approved But Not Accepted | 7 | $819,000 | $117,000 | $198,000 | $57,000 | $119,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $65,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2013 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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