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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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BANK OF CADIZ & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK OF CADIZ & TRUST CO. |
| Address | P. O. BOX 2020
CADIZ, KY 42211 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 126 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,792,000 |
| Average Mortgage Loan Amount Applied For | $66,142 |
| Highest Mortgage Loan Amount Applied For | $299,000 |
| Average Applicant Income | $51,857 |
| Highest Applicant Income | $2,164,000 |
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| Home Improvement |
2 | $65,000 |
$32,000 | $57,000 |
$60,000 | $92,000 |
| Home Purchase |
52 | $4,190,000 |
$80,000 | $299,000 |
$101,000 | $2,164,000 |
| Refinancing |
72 | $3,537,000 |
$49,000 | $187,000 |
$50,000 | $208,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
6 | $145,000 |
$24,000 | $79,000 |
$39,000 | $54,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $593,000 |
$59,000 | $104,000 |
$0 | $0 |
| Not Provided |
1 | $70,000 |
$70,000 | $70,000 |
$36,000 | $36,000 |
| White |
109 | $6,984,000 |
$64,000 | $299,000 |
$80,000 | $2,164,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
126 | $7,792,000 |
$61,000 | $299,000 |
$71,000 | $2,164,000 |
| 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 |
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| Application Approved But Not Accepted |
3 | $165,000 |
$55,000 | $86,000 |
$55,000 | $86,000 |
| Application Denied By Financial Institution |
13 | $785,000 |
$60,000 | $150,000 |
$35,000 | $96,000 |
| Application Withdrawn By Applicant |
8 | $557,000 |
$69,000 | $187,000 |
$40,000 | $84,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
102 | $6,285,000 |
$61,000 | $299,000 |
$79,000 | $2,164,000 |
| 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 |
1 | $59,000 |
$59,000 | $59,000 |
$56,000 | $56,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $447,000 |
$63,000 | $150,000 |
$42,000 | $96,000 |
| Debt-To-Income Ratio |
4 | $230,000 |
$57,000 | $112,000 |
$22,000 | $41,000 |
| 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 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BANK OF CADIZ & TRUST CO. by:
Metropolitan Area And
County
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