Hendricks County Bank and Trust Company Mortgage Lending & HMDA Data, 2023
In 2023, Hendricks County Bank and Trust Company of Brownsburg, IN reported 97 mortgage applications totaling $18.5 million. The average application was for $190,257, and applicants reported an average income of $158,670. 67% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (79), Terre Haute, IN (3) and Muncie, IN (2) (applications in parentheses).
| Mortgage Company & Address | Hendricks County Bank and Trust Company One East Main Street Brownsburg, IN 46112 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 97 |
| Total Mortgage Loan Application Amount | $18,455,000 |
| Average Mortgage Loan Application Amount | $190,257 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $158,670 |
| Highest Applicant Income | $648,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hendricks County Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Indianapolis-Carmel-Anderson, IN | 79 | $ 14,995,000 | $ 189,810 | $ 153,000 |
| Outside any metro area | 13 | $ 1,905,000 | $ 146,538 | $ 98,461 |
| Terre Haute, IN | 3 | $ 995,000 | $ 331,666 | $ 239,000 |
| Muncie, IN | 2 | $ 560,000 | $ 280,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hendricks County Bank and Trust Company in 2023
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 | 56 | $11,090,000 | $198,000 | $905,000 | $195,000 | $648,000 |
| Refinancing | 21 | $4,455,000 | $212,000 | $985,000 | $115,000 | $300,000 |
| Cash-out Refinancing | 16 | $1,820,000 | $113,000 | $355,000 | $123,000 | $215,000 |
| Other Purpose | 4 | $1,090,000 | $272,000 | $675,000 | $22,000 | $22,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 64 | $10,150,000 | $158,000 | $805,000 | $139,000 | $648,000 |
| Not applicable | 19 | $4,015,000 | $211,000 | $675,000 | $22,000 | $22,000 |
| Not Provided | 5 | $2,675,000 | $535,000 | $985,000 | $282,000 | $636,000 |
| Black or African American | 5 | $865,000 | $173,000 | $365,000 | $133,000 | $180,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $231,000 | $231,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 96 | $17,990,000 | $187,000 | $985,000 | $152,000 | $648,000 |
| FHA-insured (Federal Housing Administration) | 1 | $465,000 | $465,000 | $465,000 | $150,000 | $150,000 |
| 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 | 65 | $13,075,000 | $201,000 | $985,000 | $164,000 | $648,000 |
| Application Denied By Financial Institution | 16 | $2,050,000 | $128,000 | $405,000 | $86,000 | $89,000 |
| Application Withdrawn By Applicant | 14 | $2,190,000 | $156,000 | $465,000 | $100,000 | $160,000 |
| Application Approved But Not Accepted | 2 | $1,140,000 | $570,000 | $905,000 | $175,000 | $251,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 81 | $16,405,000 | $202,000 | $985,000 | $155,000 | $648,000 |
| Credit Application Incomplete | 11 | $1,525,000 | $138,000 | $405,000 | $0 | $0 |
| Credit History | 5 | $525,000 | $105,000 | $165,000 | $86,000 | $89,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hendricks County Bank and Trust Company's 2023 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 Hendricks County Bank and 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.
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with aggregated HMDA statistics today.
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