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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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ASCENCIA BANK, INC.
Mortgage Loans and Application Details
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| Mortgage Company Name |
ASCENCIA BANK, INC. |
| Address | 2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 76 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,187,000 |
| Average Mortgage Loan Amount Applied For | $161,285 |
| Highest Mortgage Loan Amount Applied For | $861,000 |
| Average Applicant Income | $89,071 |
| Highest Applicant Income | $432,000 |
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| Home Improvement |
3 | $1,743,000 |
$480,000 | $861,000 |
$168,000 | $336,000 |
| Home Purchase |
36 | $4,144,000 |
$117,000 | $480,000 |
$111,500 | $432,000 |
| Refinancing |
37 | $4,300,000 |
$116,000 | $560,000 |
$48,000 | $116,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $89,000 |
$89,000 | $89,000 |
$62,000 | $62,000 |
| Black or African American |
3 | $211,000 |
$70,000 | $78,000 |
$50,000 | $69,000 |
| Hispanic |
1 | $81,000 |
$81,000 | $81,000 |
$49,000 | $49,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
12 | $2,409,000 |
$200,000 | $861,000 |
$0 | $0 |
| Not Provided |
1 | $90,000 |
$90,000 | $90,000 |
$46,000 | $46,000 |
| White |
58 | $7,307,000 |
$141,000 | $704,000 |
$186,333 | $432,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
75 | $10,094,000 |
$144,000 | $861,000 |
$183,000 | $432,000 |
| FHA-insured (Federal Housing Administration) |
1 | $93,000 |
$93,000 | $93,000 |
$66,000 | $66,000 |
| 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 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
9 | $969,000 |
$107,000 | $165,000 |
$38,000 | $62,000 |
| Application Withdrawn By Applicant |
21 | $2,445,000 |
$116,000 | $250,000 |
$61,000 | $104,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
46 | $6,773,000 |
$148,333 | $861,000 |
$182,666 | $432,000 |
| 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 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $744,000 |
$106,000 | $165,000 |
$40,000 | $62,000 |
| Debt-To-Income Ratio |
1 | $143,000 |
$143,000 | $143,000 |
$42,000 | $42,000 |
| Employment History |
1 | $82,000 |
$82,000 | $82,000 |
$26,000 | $26,000 |
| 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 |
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Mortgage Loan App Totals for ASCENCIA BANK, INC. by:
Metropolitan Area And
County
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