American Bank & Trust Company Inc. Mortgage Lending & HMDA Data, 2014
In 2014, American Bank & Trust Company Inc. of Bowling Green, KY reported 353 mortgage applications totaling $34.3 million, down 23% from 2013. The average application was for $97,135, and applicants reported an average income of $42,475. 90% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Bowling Green, KY (331), Elizabethtown-Fort Knox, KY (4) and Cincinnati, OH-KY-IN (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 | 353 |
| Total Mortgage Loan Application Amount | $34,289,000 |
| Average Mortgage Loan Application Amount | $97,135 |
| Highest Mortgage Loan Application Amount | $1,186,000 |
| Average Applicant Income | $42,475 |
| Highest Applicant Income | $608,000 |
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American Bank & Trust Company Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 165 | $17,365,000 | $105,000 | $1,186,000 | $43,000 | $608,000 |
| Home Purchase | 161 | $16,085,000 | $99,000 | $340,000 | $39,000 | $480,000 |
| Home Improvement | 27 | $839,000 | $31,000 | $232,000 | $60,000 | $184,000 |
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 | 204 | $20,510,000 | $100,000 | $660,000 | $69,000 | $608,000 |
| Not applicable | 126 | $11,992,000 | $95,000 | $1,186,000 | $0 | $0 |
| Black or African American | 8 | $571,000 | $71,000 | $182,000 | $65,000 | $134,000 |
| Not Provided | 6 | $599,000 | $99,000 | $230,000 | $59,000 | $152,000 |
| Asian | 5 | $397,000 | $79,000 | $127,000 | $31,000 | $43,000 |
| Hispanic | 4 | $220,000 | $55,000 | $91,000 | $9,000 | $20,000 |
| 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) | 348 | $33,389,000 | $95,000 | $1,186,000 | $42,000 | $608,000 |
| FHA-insured (Federal Housing Administration) | 2 | $369,000 | $184,000 | $230,000 | $113,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $277,000 | $138,000 | $148,000 | $41,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 1 | $254,000 | $254,000 | $254,000 | $72,000 | $72,000 |
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 | 316 | $29,559,000 | $93,000 | $1,186,000 | $40,000 | $608,000 |
| Application Denied By Financial Institution | 23 | $2,974,000 | $129,000 | $270,000 | $66,000 | $264,000 |
| Application Withdrawn By Applicant | 10 | $1,388,000 | $138,000 | $254,000 | $65,000 | $152,000 |
| File Closed For Incompleteness | 2 | $195,000 | $97,000 | $140,000 | $51,000 | $81,000 |
| Application Approved But Not Accepted | 2 | $173,000 | $86,000 | $123,000 | $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 2014 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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