Hancock Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Hancock Bank & Trust Company of Hawesville, KY reported 353 mortgage applications totaling $56.4 million, up 4% from 2011. The average application was for $159,787, and applicants reported an average income of $90,849. 92% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Bowling Green, KY (147), Owensboro, KY (32) and Evansville, IN-KY (9) (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 | 353 |
| Total Mortgage Loan Application Amount | $56,405,000 |
| Average Mortgage Loan Application Amount | $159,787 |
| Highest Mortgage Loan Application Amount | $2,043,000 |
| Average Applicant Income | $90,849 |
| Highest Applicant Income | $610,000 |
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records Hancock Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 144 | $ 32,883,000 | $ 228,354 | $ 103,000 |
| Hopkins, Kentucky | 114 | $ 10,869,000 | $ 95,342 | $ 84,000 |
| Hancock, Kentucky | 25 | $ 1,451,000 | $ 58,040 | $ 61,000 |
| Perry, Indiana | 9 | $ 575,000 | $ 63,888 | $ 81,000 |
| Barren, Kentucky | 8 | $ 659,000 | $ 82,375 | $ 60,000 |
| Daviess, Kentucky | 7 | $ 493,000 | $ 70,428 | $ 30,000 |
| Jefferson, Kentucky | 4 | $ 1,096,000 | $ 274,000 | $ 106,000 |
| Webster, Kentucky | 4 | $ 352,000 | $ 88,000 | $ 53,000 |
| Walton, Florida | 3 | $ 1,701,000 | $ 567,000 | $ 33,000 |
| Breckinridge, Kentucky | 3 | $ 95,000 | $ 31,666 | $ 47,000 |
| Butler, Kentucky | 3 | $ 470,000 | $ 156,666 | $ 66,000 |
| Edmonson, Kentucky | 3 | $ 479,000 | $ 159,666 | $ 95,000 |
| Henderson, Kentucky | 3 | $ 830,000 | $ 276,666 | $ 26,000 |
| Livingston, Kentucky | 3 | $ 617,000 | $ 205,666 | $ 610,000 |
| Vanderburgh, Indiana | 2 | $ 244,000 | $ 122,000 | $ 91,000 |
| Allen, Kentucky | 2 | $ 242,000 | $ 121,000 | $ 52,000 |
| Muhlenberg, Kentucky | 2 | $ 253,000 | $ 126,500 | $ 53,000 |
| Simpson, Kentucky | 2 | $ 155,000 | $ 77,500 | $ 21,000 |
| El Paso, Colorado | 1 | $ 120,000 | $ 120,000 | $ 63,000 |
| Okaloosa, Florida | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Pinellas, Florida | 1 | $ 165,000 | $ 165,000 | $ 140,000 |
| Volusia, Florida | 1 | $ 133,000 | $ 133,000 | $ 62,000 |
| Crawford, Indiana | 1 | $ 80,000 | $ 80,000 | $ 81,000 |
| Grayson, Kentucky | 1 | $ 1,291,000 | $ 1,291,000 | $ 0 |
| Green, Kentucky | 1 | $ 292,000 | $ 292,000 | $ 29,000 |
| Jessamine, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 148,000 |
| Metcalfe, Kentucky | 1 | $ 59,000 | $ 59,000 | $ 179,000 |
| Shelby, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 52,000 |
| Trigg, Kentucky | 1 | $ 156,000 | $ 156,000 | $ 79,000 |
| Sumner, Tennessee | 1 | $ 316,000 | $ 316,000 | $ 211,000 |
Mortgage Loan Application Detail Totals for Hancock Bank & 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 |
|---|---|---|---|---|---|---|
| Refinancing | 219 | $36,620,000 | $167,000 | $1,958,000 | $102,000 | $610,000 |
| Home Purchase | 111 | $17,822,000 | $160,000 | $2,043,000 | $74,000 | $610,000 |
| Home Improvement | 23 | $1,963,000 | $85,000 | $956,000 | $66,000 | $194,000 |
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 | 314 | $43,573,000 | $138,000 | $956,000 | $100,000 | $610,000 |
| Not applicable | 28 | $11,409,000 | $407,000 | $2,043,000 | $0 | $0 |
| Asian | 5 | $738,000 | $147,000 | $289,000 | $86,000 | $213,000 |
| Black or African American | 4 | $388,000 | $97,000 | $181,000 | $51,000 | $135,000 |
| Hispanic | 2 | $297,000 | $148,000 | $192,000 | $52,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 353 | $56,405,000 | $159,000 | $2,043,000 | $91,000 | $610,000 |
| 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 | 323 | $53,270,000 | $164,000 | $2,043,000 | $92,000 | $610,000 |
| Application Denied By Financial Institution | 29 | $2,922,000 | $100,000 | $400,000 | $76,000 | $360,000 |
| Application Withdrawn By Applicant | 1 | $213,000 | $213,000 | $213,000 | $79,000 | $79,000 |
| 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 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 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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