Hancock Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Hancock Bank & Trust Company of Hawesville, KY reported 263 mortgage applications totaling $32.1 million, up 17% from 2014. The average application was for $122,019, and applicants reported an average income of $106,338. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Bowling Green, KY (71), Owensboro, KY (26) and Clarksville, TN-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 | 263 |
| Total Mortgage Loan Application Amount | $32,091,000 |
| Average Mortgage Loan Application Amount | $122,019 |
| Highest Mortgage Loan Application Amount | $1,216,000 |
| Average Applicant Income | $106,338 |
| Highest Applicant Income | $742,000 |
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records Hancock Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 71 | $ 14,467,000 | $ 203,760 | $ 162,000 |
| Owensboro, KY | 26 | $ 1,658,000 | $ 63,769 | $ 75,000 |
| Clarksville, TN-KY | 3 | $ 169,000 | $ 56,333 | $ 147,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 299,000 | $ 99,666 | $ 89,000 |
| Lexington-Fayette, KY | 2 | $ 648,000 | $ 324,000 | $ 540,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 697,000 | $ 348,500 | $ 145,000 |
| Champaign-Urbana, IL | 1 | $ 129,000 | $ 129,000 | $ 59,000 |
| Colorado Springs, CO | 1 | $ 208,000 | $ 208,000 | $ 91,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 138,000 | $ 138,000 | $ 125,000 |
| Evansville, IN-KY | 1 | $ 196,000 | $ 196,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Hancock Bank & Trust Company in 2015
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 | 122 | $13,284,000 | $108,000 | $895,000 | $113,000 | $742,000 |
| Refinancing | 111 | $17,421,000 | $156,000 | $1,216,000 | $111,000 | $623,000 |
| Home Improvement | 30 | $1,386,000 | $46,000 | $120,000 | $62,000 | $181,000 |
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 | 231 | $27,026,000 | $116,000 | $1,216,000 | $113,000 | $742,000 |
| Not applicable | 15 | $3,340,000 | $222,000 | $950,000 | $0 | $0 |
| Not Provided | 7 | $1,063,000 | $151,000 | $500,000 | $102,000 | $400,000 |
| Black or African American | 5 | $272,000 | $54,000 | $103,000 | $44,000 | $101,000 |
| Asian | 4 | $60,000 | $15,000 | $19,000 | $197,000 | $197,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $330,000 | $330,000 | $330,000 | $260,000 | $260,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 263 | $32,091,000 | $122,000 | $1,216,000 | $106,000 | $742,000 |
| 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 | 205 | $25,824,000 | $125,000 | $1,216,000 | $114,000 | $742,000 |
| Application Denied By Financial Institution | 36 | $3,252,000 | $90,000 | $330,000 | $59,000 | $260,000 |
| Application Approved But Not Accepted | 22 | $3,015,000 | $137,000 | $500,000 | $115,000 | $623,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2015 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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