The Paducah Bank and Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, The Paducah Bank and Trust Company of Paducah, KY reported 326 mortgage applications totaling $81.9 million, down 31% from 2021. The average application was for $251,226, and applicants reported an average income of $139,139. 75% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (19), Carbondale-Marion, IL (6) and Clarksville, TN-KY (5) (applications in parentheses).
| Mortgage Company & Address | The Paducah Bank and Trust Company 2635 Lone Oak Rd Paducah, KY 42002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 326 |
| Total Mortgage Loan Application Amount | $81,900,000 |
| Average Mortgage Loan Application Amount | $251,226 |
| Highest Mortgage Loan Application Amount | $3,065,000 |
| Average Applicant Income | $139,139 |
| Highest Applicant Income | $1,587,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Paducah Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for The Paducah Bank and Trust Company in 2022
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 | 235 | $62,325,000 | $265,000 | $3,065,000 | $142,000 | $1,587,000 |
| Refinancing | 40 | $13,040,000 | $326,000 | $2,605,000 | $176,000 | $634,000 |
| Cash-out Refinancing | 26 | $5,230,000 | $201,000 | $935,000 | $110,000 | $475,000 |
| Other Purpose | 22 | $1,090,000 | $49,000 | $155,000 | $76,000 | $151,000 |
| Home Improvement | 3 | $215,000 | $71,000 | $125,000 | $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 | 274 | $64,100,000 | $233,000 | $2,405,000 | $140,000 | $1,587,000 |
| Not applicable | 33 | $15,115,000 | $458,000 | $3,065,000 | $0 | $0 |
| Black or African American | 6 | $710,000 | $118,000 | $465,000 | $127,000 | $448,000 |
| Not Provided | 5 | $185,000 | $37,000 | $55,000 | $102,000 | $184,000 |
| Asian | 4 | $880,000 | $220,000 | $315,000 | $134,000 | $312,000 |
| Hispanic | 2 | $380,000 | $190,000 | $265,000 | $46,000 | $63,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $530,000 | $265,000 | $275,000 | $237,000 | $352,000 |
| 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) | 325 | $81,535,000 | $250,000 | $3,065,000 | $139,000 | $1,587,000 |
| VA-guaranteed (Veterans Administration) | 1 | $365,000 | $365,000 | $365,000 | $21,000 | $21,000 |
| 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 |
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 | 243 | $68,755,000 | $282,000 | $3,065,000 | $155,000 | $887,000 |
| Application Denied By Financial Institution | 45 | $4,765,000 | $105,000 | $365,000 | $52,000 | $112,000 |
| Application Withdrawn By Applicant | 37 | $8,275,000 | $223,000 | $1,295,000 | $154,000 | $1,587,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $38,000 | $38,000 |
| 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 | 281 | $77,135,000 | $274,000 | $3,065,000 | $155,000 | $1,587,000 |
| Credit History | 29 | $2,455,000 | $84,000 | $365,000 | $52,000 | $112,000 |
| Debt-To-Income Ratio | 12 | $2,020,000 | $168,000 | $325,000 | $58,000 | $99,000 |
| Collateral | 4 | $290,000 | $72,000 | $125,000 | $44,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Paducah Bank and Trust Company's 2022 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 The Paducah 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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