Hancock Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Hancock Bank & Trust Company of Hawesville, KY reported 210 mortgage applications totaling $44.0 million, down 49% from 2020. The average application was for $209,571, and applicants reported an average income of $132,523. 85% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Bowling Green, KY (80), Owensboro, KY (20) and Elizabethtown-Fort Knox, KY (3) (applications in parentheses).
| Mortgage Company & Address | Hancock Bank & Trust Company 220 Main Street Hawesville, KY 42348 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 210 |
| Total Mortgage Loan Application Amount | $44,010,000 |
| Average Mortgage Loan Application Amount | $209,571 |
| Highest Mortgage Loan Application Amount | $1,245,000 |
| Average Applicant Income | $132,523 |
| Highest Applicant Income | $1,026,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hancock Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Hancock Bank & Trust Company in 2021
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 | 95 | $20,945,000 | $220,000 | $1,245,000 | $158,000 | $1,026,000 |
| Home Purchase | 71 | $14,925,000 | $210,000 | $725,000 | $111,000 | $625,000 |
| Cash-out Refinancing | 37 | $7,525,000 | $203,000 | $545,000 | $117,000 | $278,000 |
| Home Improvement | 5 | $265,000 | $53,000 | $155,000 | $62,000 | $104,000 |
| Other Purpose | 2 | $350,000 | $175,000 | $295,000 | $150,000 | $215,000 |
| 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 | 170 | $29,470,000 | $173,000 | $755,000 | $121,000 | $570,000 |
| Not applicable | 28 | $10,990,000 | $392,000 | $1,245,000 | $0 | $0 |
| Asian | 7 | $2,525,000 | $360,000 | $565,000 | $257,000 | $625,000 |
| Hispanic | 2 | $440,000 | $220,000 | $355,000 | $545,000 | $1,026,000 |
| Black or African American | 1 | $145,000 | $145,000 | $145,000 | $78,000 | $78,000 |
| Not Provided | 1 | $315,000 | $315,000 | $315,000 | $247,000 | $247,000 |
| 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) | 210 | $44,010,000 | $209,000 | $1,245,000 | $131,000 | $1,026,000 |
| 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 | 179 | $37,985,000 | $212,000 | $1,245,000 | $138,000 | $1,026,000 |
| Application Denied By Financial Institution | 16 | $2,770,000 | $173,000 | $755,000 | $85,000 | $219,000 |
| Application Approved But Not Accepted | 9 | $2,455,000 | $272,000 | $415,000 | $135,000 | $391,000 |
| Application Withdrawn By Applicant | 6 | $800,000 | $133,000 | $255,000 | $88,000 | $157,000 |
| 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 | 210 | $44,010,000 | $209,000 | $1,245,000 | $131,000 | $1,026,000 |
| 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 Hancock Bank & Trust Company's 2021 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 Hancock Bank & 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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