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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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CENTRAL BANK OF JEFFERSON COUN
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTRAL BANK OF JEFFERSON COUN |
| Address | 4630 TAYLORSVILLE RD
LOUISVILLE, KY 40220 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,385 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $426,534,000 |
| Average Mortgage Loan Amount Applied For | $120,586 |
| Highest Mortgage Loan Amount Applied For | $2,760,000 |
| Average Applicant Income | $59,782 |
| Highest Applicant Income | $2,160,000 |
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| Home Improvement |
2 | $35,000 |
$17,000 | $20,000 |
$72,000 | $95,000 |
| Home Purchase |
874 | $111,459,000 |
$127,000 | $2,560,000 |
$68,000 | $2,160,000 |
| Refinancing |
2,516 | $317,197,000 |
$126,000 | $2,760,000 |
$56,000 | $1,476,000 |
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| American Indian or Alaskan Native |
4 | $379,000 |
$94,000 | $170,000 |
$59,000 | $108,000 |
| Asian |
17 | $4,209,000 |
$247,000 | $855,000 |
$99,000 | $388,000 |
| Black or African American |
249 | $27,076,000 |
$108,000 | $554,000 |
$46,000 | $240,000 |
| Hispanic |
43 | $6,253,000 |
$145,000 | $662,000 |
$63,000 | $582,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $333,000 |
$83,000 | $111,000 |
$66,000 | $81,000 |
| Not applicable |
4 | $453,000 |
$113,000 | $315,000 |
$0 | $0 |
| Not Provided |
456 | $60,352,000 |
$132,000 | $1,520,000 |
$54,000 | $360,000 |
| White |
2,615 | $329,636,000 |
$126,000 | $2,760,000 |
$61,000 | $2,160,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,378 | $426,681,000 |
$126,000 | $2,760,000 |
$59,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) |
14 | $2,010,000 |
$143,000 | $209,000 |
$64,000 | $224,000 |
| 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 |
1,612 | $202,048,000 |
$125,000 | $2,760,000 |
$55,000 | $582,000 |
| Application Denied By Financial Institution |
709 | $94,441,000 |
$133,000 | $2,560,000 |
$59,000 | $2,160,000 |
| Application Withdrawn By Applicant |
43 | $8,797,000 |
$204,000 | $1,120,000 |
$86,000 | $464,000 |
| File Closed For Incompleteness |
24 | $3,458,000 |
$144,000 | $468,000 |
$57,000 | $180,000 |
| Loan Originated |
1,004 | $119,947,000 |
$119,000 | $1,365,000 |
$64,000 | $1,777,000 |
| 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 |
55 | $7,242,000 |
$131,000 | $665,000 |
$63,000 | $336,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
479 | $64,079,000 |
$133,000 | $2,560,000 |
$64,000 | $2,160,000 |
| Debt-To-Income Ratio |
124 | $15,159,000 |
$122,000 | $322,000 |
$38,000 | $120,000 |
| Employment History |
11 | $1,283,000 |
$116,000 | $212,000 |
$57,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
9 | $714,000 |
$79,000 | $144,000 |
$30,000 | $47,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
17 | $2,543,000 |
$149,000 | $503,000 |
$71,000 | $319,000 |
| Unverifiable Information |
1 | $150,000 |
$150,000 | $150,000 |
$109,000 | $109,000 |
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Mortgage Loan App Totals for CENTRAL BANK OF JEFFERSON COUN by:
Metropolitan Area And
County
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