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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 THE BLUEGRASS & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK OF THE BLUEGRASS & TRUST |
| Address | 101 E. HIGH STREET
LEXINGTON, KY 40507 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 284 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $47,572,000 |
| Average Mortgage Loan Amount Applied For | $239,294 |
| Highest Mortgage Loan Amount Applied For | $4,420,000 |
| Average Applicant Income | $98,470 |
| Highest Applicant Income | $2,700,000 |
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| Home Improvement |
33 | $4,842,000 |
$146,000 | $890,000 |
$99,000 | $870,000 |
| Home Purchase |
131 | $25,990,000 |
$198,000 | $4,420,000 |
$107,000 | $2,700,000 |
| Refinancing |
120 | $16,740,000 |
$139,000 | $1,680,000 |
$61,000 | $454,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
6 | $373,000 |
$62,000 | $139,000 |
$67,000 | $105,000 |
| Black or African American |
9 | $489,000 |
$54,000 | $100,000 |
$51,000 | $118,000 |
| Hispanic |
1 | $240,000 |
$240,000 | $240,000 |
$55,000 | $55,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
94 | $20,056,000 |
$213,000 | $4,420,000 |
$0 | $0 |
| Not Provided |
2 | $141,000 |
$70,000 | $139,000 |
$28,000 | $54,000 |
| White |
172 | $26,273,000 |
$152,000 | $1,680,000 |
$138,000 | $2,700,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
283 | $47,540,000 |
$167,000 | $4,420,000 |
$87,000 | $2,700,000 |
| FHA-insured (Federal Housing Administration) |
1 | $32,000 |
$32,000 | $32,000 |
$21,000 | $21,000 |
| 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 |
1 | $29,000 |
$29,000 | $29,000 |
$36,000 | $36,000 |
| Application Denied By Financial Institution |
17 | $3,728,000 |
$219,000 | $1,160,000 |
$51,000 | $117,000 |
| Application Withdrawn By Applicant |
9 | $1,132,000 |
$125,000 | $300,000 |
$60,000 | $150,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
257 | $42,683,000 |
$166,000 | $4,420,000 |
$90,000 | $2,700,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
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Mortgage Loan App Totals for BANK OF THE BLUEGRASS & TRUST by:
Metropolitan Area And
County
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