Hancock Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Hancock Bank & Trust Company of Hawesville, KY reported 152 mortgage applications totaling $21.9 million, down 3% from 2018. The average application was for $143,750, and applicants reported an average income of $128,506. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Bowling Green, KY (36), Owensboro, KY (28) and Clarksville, TN-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 | 152 |
| Total Mortgage Loan Application Amount | $21,850,000 |
| Average Mortgage Loan Application Amount | $143,750 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $128,506 |
| Highest Applicant Income | $4,787,000 |
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records Hancock Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 75 | $ 7,745,000 | $ 103,266 | $ 152,160 |
| Bowling Green, KY | 36 | $ 9,910,000 | $ 275,277 | $ 110,000 |
| Owensboro, KY | 28 | $ 2,110,000 | $ 75,357 | $ 80,000 |
| Clarksville, TN-KY | 5 | $ 545,000 | $ 109,000 | $ 77,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 345,000 | $ 115,000 | $ 99,000 |
| Colorado Springs, CO | 1 | $ 255,000 | $ 255,000 | $ 42,000 |
| Decatur, IL | 1 | $ 225,000 | $ 225,000 | $ 178,000 |
| Lexington-Fayette, KY | 1 | $ 385,000 | $ 385,000 | $ 194,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| New Orleans-Metairie, LA | 1 | $ 195,000 | $ 195,000 | $ 188,000 |
Mortgage Loan Application Detail Totals for Hancock Bank & Trust Company in 2019
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 | 75 | $11,285,000 | $150,000 | $955,000 | $99,000 | $617,000 |
| Refinancing | 54 | $8,940,000 | $165,000 | $965,000 | $186,000 | $4,787,000 |
| Other Purpose | 8 | $250,000 | $31,000 | $85,000 | $107,000 | $153,000 |
| Cash-out Refinancing | 8 | $1,170,000 | $146,000 | $245,000 | $88,000 | $150,000 |
| Home Improvement | 7 | $205,000 | $29,000 | $45,000 | $72,000 | $126,000 |
| 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 | 129 | $14,285,000 | $110,000 | $865,000 | $129,000 | $4,787,000 |
| Not applicable | 16 | $6,060,000 | $378,000 | $965,000 | $0 | $0 |
| Black or African American | 3 | $505,000 | $168,000 | $195,000 | $67,000 | $118,000 |
| Hispanic | 2 | $230,000 | $115,000 | $225,000 | $165,000 | $178,000 |
| Asian | 1 | $705,000 | $705,000 | $705,000 | $36,000 | $36,000 |
| Not Provided | 1 | $65,000 | $65,000 | $65,000 | $79,000 | $79,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 152 | $21,850,000 | $143,000 | $965,000 | $127,000 | $4,787,000 |
| 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 | 134 | $18,880,000 | $140,000 | $965,000 | $129,000 | $4,787,000 |
| Application Denied By Financial Institution | 13 | $2,175,000 | $167,000 | $705,000 | $89,000 | $408,000 |
| Application Approved But Not Accepted | 5 | $795,000 | $159,000 | $365,000 | $211,000 | $361,000 |
| 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 | 152 | $21,850,000 | $143,000 | $965,000 | $127,000 | $4,787,000 |
| 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 2019 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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