Hancock Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Hancock Bank & Trust Company of Hawesville, KY reported 157 mortgage applications totaling $22.1 million, down 13% from 2017. The average application was for $140,477, and applicants reported an average income of $97,917. 83% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Owensboro, KY (34), Bowling Green, KY (33) and Clarksville, TN-KY (2) (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 | 157 |
| Total Mortgage Loan Application Amount | $22,055,000 |
| Average Mortgage Loan Application Amount | $140,477 |
| Highest Mortgage Loan Application Amount | $2,915,000 |
| Average Applicant Income | $97,917 |
| Highest Applicant Income | $1,560,000 |
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records Hancock Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hopkins, Kentucky | 44 | $ 4,820,000 | $ 109,545 | $ 85,000 |
| Warren, Kentucky | 31 | $ 9,475,000 | $ 305,645 | $ 176,000 |
| Hancock, Kentucky | 20 | $ 930,000 | $ 46,500 | $ 66,000 |
| Daviess, Kentucky | 13 | $ 1,385,000 | $ 106,538 | $ 115,000 |
| Breckinridge, Kentucky | 9 | $ 705,000 | $ 78,333 | $ 103,000 |
| Barren, Kentucky | 7 | $ 725,000 | $ 103,571 | $ 71,000 |
| Metcalfe, Kentucky | 7 | $ 755,000 | $ 107,857 | $ 69,000 |
| Perry, Indiana | 4 | $ 110,000 | $ 27,500 | $ 46,000 |
| Webster, Kentucky | 4 | $ 580,000 | $ 145,000 | $ 83,000 |
| Butler, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 85,000 |
| Christian, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 84,000 |
| Jefferson, Kentucky | 2 | $ 190,000 | $ 95,000 | $ 36,000 |
| Logan, Kentucky | 2 | $ 310,000 | $ 155,000 | $ 101,000 |
| Pinellas, Florida | 1 | $ 405,000 | $ 405,000 | $ 81,000 |
| Crawford, Indiana | 1 | $ 25,000 | $ 25,000 | $ 147,000 |
| Anderson, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 221,000 |
| Clinton, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Fayette, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Green, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| McLean, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 6,000 |
| Monroe, Kentucky | 1 | $ 375,000 | $ 375,000 | $ 144,000 |
| Clermont, Ohio | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Williamson, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 10,000 |
Mortgage Loan Application Detail Totals for Hancock Bank & Trust Company in 2018
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 Purchase | 78 | $9,700,000 | $124,000 | $1,265,000 | $87,000 | $430,000 |
| Refinancing | 54 | $10,580,000 | $195,000 | $2,915,000 | $127,000 | $1,560,000 |
| Cash-out Refinancing | 10 | $1,300,000 | $130,000 | $285,000 | $72,000 | $221,000 |
| Home Improvement | 8 | $150,000 | $18,000 | $45,000 | $57,000 | $108,000 |
| Other Purpose | 7 | $325,000 | $46,000 | $85,000 | $79,000 | $155,000 |
| 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 | 136 | $14,330,000 | $105,000 | $475,000 | $85,000 | $430,000 |
| Not applicable | 14 | $5,790,000 | $413,000 | $2,915,000 | $0 | $0 |
| Asian | 2 | $1,560,000 | $780,000 | $1,445,000 | $981,000 | $1,560,000 |
| Black or African American | 2 | $60,000 | $30,000 | $35,000 | $59,000 | $91,000 |
| Hispanic | 2 | $250,000 | $125,000 | $165,000 | $59,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $39,000 | $39,000 |
| 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) | 156 | $22,000,000 | $141,000 | $2,915,000 | $97,000 | $1,560,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $55,000 | $55,000 | $55,000 | $25,000 | $25,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 130 | $17,820,000 | $137,000 | $2,915,000 | $90,000 | $430,000 |
| Application Denied By Financial Institution | 15 | $1,755,000 | $117,000 | $315,000 | $58,000 | $175,000 |
| Application Approved But Not Accepted | 12 | $2,480,000 | $206,000 | $1,445,000 | $218,000 | $1,560,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 157 | $22,055,000 | $140,000 | $2,915,000 | $97,000 | $1,560,000 |
| 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 2018 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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