American Bank & Trust Company Inc. Mortgage Lending & HMDA Data, 2024
In 2024, American Bank & Trust Company Inc. of Bowling Green, KY reported 306 mortgage applications totaling $84.3 million, up 59% from 2023. The average application was for $275,588, and applicants reported an average income of $141,235. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Bowling Green, KY (272), Evansville, IN-KY (3) and Louisville/Jefferson County, 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 | 306 |
| Total Mortgage Loan Application Amount | $84,330,000 |
| Average Mortgage Loan Application Amount | $275,588 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $141,235 |
| Highest Applicant Income | $840,000 |
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American Bank & Trust Company Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 272 | $ 67,730,000 | $ 249,007 | $ 139,000 |
| Outside any metro area | 20 | $ 6,590,000 | $ 329,500 | $ 98,200 |
| Evansville, IN-KY | 3 | $ 645,000 | $ 215,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 2 | $ 870,000 | $ 435,000 | $ 344,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 3,390,000 | $ 1,695,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 660,000 | $ 330,000 | $ 144,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Knoxville, TN | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 1,835,000 | $ 1,835,000 | $ 618,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Owensboro, KY | 1 | $ 1,755,000 | $ 1,755,000 | $ 0 |
Mortgage Loan Application Detail Totals for American Bank & Trust Company Inc. in 2024
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 | 157 | $50,445,000 | $321,000 | $2,805,000 | $151,000 | $840,000 |
| Refinancing | 94 | $21,600,000 | $229,000 | $1,745,000 | $128,000 | $530,000 |
| Cash-out Refinancing | 33 | $8,685,000 | $263,000 | $1,255,000 | $138,000 | $488,000 |
| Home Improvement | 13 | $1,365,000 | $105,000 | $285,000 | $117,000 | $286,000 |
| Other Purpose | 9 | $2,235,000 | $248,000 | $1,835,000 | $156,000 | $618,000 |
| 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 | 176 | $44,790,000 | $254,000 | $1,835,000 | $144,000 | $840,000 |
| Not applicable | 104 | $34,340,000 | $330,000 | $2,805,000 | $0 | $0 |
| Hispanic | 10 | $1,860,000 | $186,000 | $395,000 | $109,000 | $257,000 |
| Black or African American | 6 | $1,310,000 | $218,000 | $375,000 | $79,000 | $276,000 |
| Not Provided | 5 | $785,000 | $157,000 | $225,000 | $125,000 | $227,000 |
| Asian | 5 | $1,245,000 | $249,000 | $765,000 | $170,000 | $552,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 306 | $84,330,000 | $275,000 | $2,805,000 | $140,000 | $840,000 |
| 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 | 247 | $68,215,000 | $276,000 | $2,805,000 | $144,000 | $780,000 |
| Application Withdrawn By Applicant | 42 | $12,540,000 | $298,000 | $1,425,000 | $148,000 | $840,000 |
| Application Denied By Financial Institution | 15 | $3,025,000 | $201,000 | $765,000 | $79,000 | $161,000 |
| Application Approved But Not Accepted | 2 | $550,000 | $275,000 | $395,000 | $181,000 | $181,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 306 | $84,330,000 | $275,000 | $2,805,000 | $140,000 | $840,000 |
| 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 2024 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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