Bank of Cadiz & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Bank of Cadiz & Trust Company of Cadiz, KY reported 72 mortgage applications totaling $6.0 million, down 33% from 2011. The average application was for $83,722, and applicants reported an average income of $68,277. 83% of its applications resulted in an originated loan and 12% were denied. Its largest market was Clarksville, TN-KY (60).
| Mortgage Company & Address | Bank of Cadiz & Trust Company P O Box 2020 Cadiz, KY 42211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 72 |
| Total Mortgage Loan Application Amount | $6,028,000 |
| Average Mortgage Loan Application Amount | $83,722 |
| Highest Mortgage Loan Application Amount | $759,000 |
| Average Applicant Income | $68,277 |
| Highest Applicant Income | $564,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Cadiz & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Trigg, Kentucky | 47 | $ 3,379,000 | $ 71,893 | $ 74,000 |
| Christian, Kentucky | 12 | $ 1,414,000 | $ 117,833 | $ 53,000 |
| Caldwell, Kentucky | 5 | $ 209,000 | $ 41,800 | $ 32,000 |
| Calloway, Kentucky | 3 | $ 581,000 | $ 193,666 | $ 95,000 |
| Lyon, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Marshall, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 0 |
| McCracken, Kentucky | 1 | $ 130,000 | $ 130,000 | $ 26,000 |
| Todd, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 207,000 |
| Stewart, Tennessee | 1 | $ 136,000 | $ 136,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Bank of Cadiz & Trust Company in 2012
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 Improvement | 31 | $800,000 | $25,000 | $240,000 | $57,000 | $517,000 |
| Home Purchase | 21 | $2,378,000 | $113,000 | $349,000 | $89,000 | $564,000 |
| Refinancing | 20 | $2,850,000 | $142,000 | $759,000 | $64,000 | $444,000 |
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 | 65 | $5,399,000 | $83,000 | $759,000 | $74,000 | $564,000 |
| Not applicable | 4 | $620,000 | $155,000 | $275,000 | $0 | $0 |
| Black or African American | 3 | $9,000 | $3,000 | $4,000 | $23,000 | $37,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 72 | $6,028,000 | $83,000 | $759,000 | $68,000 | $564,000 |
| 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 | 60 | $4,648,000 | $77,000 | $759,000 | $73,000 | $564,000 |
| Application Denied By Financial Institution | 9 | $1,043,000 | $115,000 | $300,000 | $35,000 | $68,000 |
| Application Withdrawn By Applicant | 2 | $185,000 | $92,000 | $95,000 | $49,000 | $54,000 |
| Application Approved But Not Accepted | 1 | $152,000 | $152,000 | $152,000 | $87,000 | $87,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $250,000 | $41,000 | $120,000 | $32,000 | $60,000 |
| Debt-To-Income Ratio | 3 | $793,000 | $264,000 | $300,000 | $42,000 | $68,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Cadiz & Trust Company's 2012 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 Bank of Cadiz & Trust Company'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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