|
|
| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
|
|
|
|
|
|
CITIZENS BANK OF NORTHERN KY
Mortgage Loans and Application Details
|
|
|
|
| Mortgage Company Name |
CITIZENS BANK OF NORTHERN KY |
| Address | 103 CHURCHILL DRIVE
NEWPORT, KY 41071 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 151 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,329,000 |
| Average Mortgage Loan Amount Applied For | $110,555 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $86,222 |
| Highest Applicant Income | $774,000 |
|
|
|
| Home Improvement |
21 | $1,130,000 |
$53,000 | $300,000 |
$93,000 | $292,000 |
| Home Purchase |
69 | $8,793,000 |
$127,000 | $500,000 |
$82,000 | $774,000 |
| Refinancing |
64 | $8,901,000 |
$139,000 | $800,000 |
$74,000 | $276,000 |
|
|
| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $692,000 |
$230,000 | $550,000 |
$0 | $0 |
| Not Provided |
1 | $200,000 |
$200,000 | $200,000 |
$103,000 | $103,000 |
| White |
150 | $17,932,000 |
$119,000 | $800,000 |
$82,000 | $774,000 |
|
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
154 | $18,824,000 |
$122,000 | $800,000 |
$80,000 | $774,000 |
| 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 |
|
|
| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
16 | $2,514,000 |
$157,000 | $500,000 |
$67,000 | $228,000 |
| Application Withdrawn By Applicant |
15 | $1,961,000 |
$130,000 | $273,000 |
$74,000 | $204,000 |
| File Closed For Incompleteness |
1 | $135,000 |
$135,000 | $135,000 |
$86,000 | $86,000 |
| Loan Originated |
122 | $14,214,000 |
$116,000 | $800,000 |
$83,000 | $774,000 |
| 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 |
|
|
| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $1,363,000 |
$136,000 | $280,000 |
$62,000 | $96,000 |
| Debt-To-Income Ratio |
3 | $867,000 |
$289,000 | $500,000 |
$113,000 | $228,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $67,000 |
$67,000 | $67,000 |
$32,000 | $32,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $217,000 |
$108,000 | $149,000 |
$42,000 | $60,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
Mortgage Loan App Totals for CITIZENS BANK OF NORTHERN KY by:
Metropolitan Area And
County
|
|
|
|
|
Copyright ©2008 AllMortgageDetail.com All rights reserved.
|
|
