Hancock Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Hancock Bank & Trust Company of Hawesville, KY reported 339 mortgage applications totaling $47.4 million, down 31% from 2010. The average application was for $139,802, and applicants reported an average income of $91,516. 83% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Bowling Green, KY (129), Owensboro, KY (51) and Evansville, IN-KY (5) (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 | 339 |
| Total Mortgage Loan Application Amount | $47,393,000 |
| Average Mortgage Loan Application Amount | $139,802 |
| Highest Mortgage Loan Application Amount | $2,820,000 |
| Average Applicant Income | $91,516 |
| Highest Applicant Income | $1,037,000 |
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records Hancock Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bowling Green, KY | 129 | $ 26,859,000 | $ 208,209 | $ 96,000 |
| Owensboro, KY | 51 | $ 3,701,000 | $ 72,568 | $ 53,000 |
| Evansville, IN-KY | 5 | $ 404,000 | $ 80,800 | $ 281,600 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,065,000 | $ 213,000 | $ 152,000 |
| Clarksville, TN-KY | 3 | $ 495,000 | $ 165,000 | $ 72,000 |
| Lexington-Fayette, KY | 3 | $ 262,000 | $ 87,333 | $ 163,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 228,000 | $ 228,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for Hancock Bank & Trust Company in 2011
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 | 190 | $33,918,000 | $178,000 | $2,820,000 | $100,000 | $1,037,000 |
| Home Purchase | 120 | $12,120,000 | $101,000 | $488,000 | $77,000 | $772,000 |
| Home Improvement | 29 | $1,355,000 | $46,000 | $112,000 | $96,000 | $452,000 |
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 | 278 | $37,152,000 | $133,000 | $2,820,000 | $107,000 | $1,037,000 |
| Not applicable | 42 | $7,675,000 | $182,000 | $1,644,000 | $0 | $0 |
| Black or African American | 8 | $670,000 | $83,000 | $150,000 | $57,000 | $136,000 |
| Hispanic | 6 | $674,000 | $112,000 | $200,000 | $86,000 | $258,000 |
| Asian | 3 | $633,000 | $211,000 | $325,000 | $76,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $589,000 | $294,000 | $392,000 | $65,000 | $75,000 |
| American Indian or Alaskan Native | 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) | 339 | $47,393,000 | $139,000 | $2,820,000 | $91,000 | $1,037,000 |
| 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 | 282 | $42,146,000 | $149,000 | $2,820,000 | $95,000 | $1,037,000 |
| Application Denied By Financial Institution | 42 | $3,692,000 | $87,000 | $414,000 | $59,000 | $170,000 |
| Application Approved But Not Accepted | 10 | $917,000 | $91,000 | $300,000 | $141,000 | $743,000 |
| Application Withdrawn By Applicant | 5 | $638,000 | $127,000 | $220,000 | $38,000 | $51,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2011 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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