Hancock Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Hancock Bank & Trust Company of Hawesville, KY reported 488 mortgage applications totaling $65.3 million, up 36% from 2009. The average application was for $133,774, and applicants reported an average income of $77,885. 88% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Bowling Green, KY (199), Owensboro, KY (70) and Louisville-Jefferson County, KY-IN (10) (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 | 488 |
| Total Mortgage Loan Application Amount | $65,282,000 |
| Average Mortgage Loan Application Amount | $133,774 |
| Highest Mortgage Loan Application Amount | $2,746,000 |
| Average Applicant Income | $77,885 |
| Highest Applicant Income | $522,000 |
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records Hancock Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren, Kentucky | 195 | $ 38,095,000 | $ 195,358 | $ 86,000 |
| Hopkins, Kentucky | 139 | $ 11,813,000 | $ 84,985 | $ 92,000 |
| Hancock, Kentucky | 49 | $ 3,135,000 | $ 63,979 | $ 56,000 |
| Daviess, Kentucky | 20 | $ 1,494,000 | $ 74,700 | $ 45,000 |
| Perry, Indiana | 18 | $ 1,056,000 | $ 58,666 | $ 48,000 |
| Breckinridge, Kentucky | 9 | $ 409,000 | $ 45,444 | $ 37,000 |
| Jefferson, Kentucky | 9 | $ 1,757,000 | $ 195,222 | $ 38,000 |
| Allen, Kentucky | 5 | $ 888,000 | $ 177,600 | $ 100,000 |
| Simpson, Kentucky | 5 | $ 565,000 | $ 113,000 | $ 28,000 |
| Webster, Kentucky | 5 | $ 531,000 | $ 106,200 | $ 53,000 |
| Barren, Kentucky | 4 | $ 298,000 | $ 74,500 | $ 35,000 |
| Edmonson, Kentucky | 4 | $ 212,000 | $ 53,000 | $ 91,000 |
| Ohio, Kentucky | 4 | $ 345,000 | $ 86,250 | $ 56,000 |
| Crawford, Indiana | 3 | $ 204,000 | $ 68,000 | $ 32,000 |
| Butler, Kentucky | 3 | $ 276,000 | $ 92,000 | $ 59,000 |
| Walton, Florida | 2 | $ 804,000 | $ 402,000 | $ 210,000 |
| Christian, Kentucky | 2 | $ 367,000 | $ 183,500 | $ 84,000 |
| Logan, Kentucky | 2 | $ 63,000 | $ 31,500 | $ 30,000 |
| Robertson, Tennessee | 2 | $ 239,000 | $ 119,500 | $ 71,000 |
| Pulaski, Arkansas | 1 | $ 174,000 | $ 174,000 | $ 50,000 |
| Grayson, Kentucky | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Henderson, Kentucky | 1 | $ 123,000 | $ 123,000 | $ 47,000 |
| McLean, Kentucky | 1 | $ 278,000 | $ 278,000 | $ 125,000 |
| Metcalfe, Kentucky | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Nelson, Kentucky | 1 | $ 270,000 | $ 270,000 | $ 386,000 |
| Cheatham, Tennessee | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 1,304,000 | $ 1,304,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hancock Bank & Trust Company in 2010
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 | 276 | $45,919,000 | $166,000 | $2,746,000 | $80,000 | $446,000 |
| Home Purchase | 164 | $16,751,000 | $102,000 | $1,785,000 | $74,000 | $522,000 |
| Home Improvement | 48 | $2,612,000 | $54,000 | $320,000 | $79,000 | $225,000 |
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 | 406 | $47,838,000 | $117,000 | $808,000 | $86,000 | $522,000 |
| Not applicable | 66 | $15,616,000 | $236,000 | $2,746,000 | $0 | $0 |
| Asian | 5 | $106,000 | $21,000 | $30,000 | $454,000 | $454,000 |
| Black or African American | 4 | $208,000 | $52,000 | $92,000 | $50,000 | $108,000 |
| Hispanic | 4 | $762,000 | $190,000 | $231,000 | $52,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $752,000 | $250,000 | $296,000 | $139,000 | $186,000 |
| Not Provided | 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) | 488 | $65,282,000 | $133,000 | $2,746,000 | $78,000 | $522,000 |
| 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 | 429 | $59,898,000 | $139,000 | $2,746,000 | $81,000 | $522,000 |
| Application Denied By Financial Institution | 37 | $3,166,000 | $85,000 | $270,000 | $50,000 | $217,000 |
| Application Withdrawn By Applicant | 22 | $2,218,000 | $100,000 | $278,000 | $67,000 | $294,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| 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 Hancock Bank & Trust Company's 2010 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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