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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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COMMONWEALTH BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMONWEALTH BANK & TRUST CO |
| Address | 4912 U S HWY 42
LOUISVILLE, KY 40222 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 721 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $112,625,000 |
| Average Mortgage Loan Amount Applied For | $159,839 |
| Highest Mortgage Loan Amount Applied For | $2,500,000 |
| Average Applicant Income | $108,071 |
| Highest Applicant Income | $2,424,000 |
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| Home Improvement |
28 | $4,645,000 |
$165,000 | $2,500,000 |
$76,000 | $345,000 |
| Home Purchase |
438 | $71,332,000 |
$162,000 | $2,500,000 |
$82,000 | $2,424,000 |
| Refinancing |
282 | $40,239,000 |
$142,000 | $1,000,000 |
$89,000 | $740,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
6 | $1,058,000 |
$176,000 | $315,000 |
$201,000 | $407,000 |
| Black or African American |
23 | $2,443,000 |
$106,000 | $212,000 |
$41,000 | $106,000 |
| Hispanic |
13 | $1,777,000 |
$136,000 | $214,000 |
$54,000 | $128,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
54 | $7,319,000 |
$135,000 | $575,000 |
$0 | $0 |
| Not Provided |
50 | $9,491,000 |
$189,000 | $1,000,000 |
$91,000 | $400,000 |
| White |
602 | $94,128,000 |
$156,000 | $2,500,000 |
$93,000 | $2,424,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
677 | $107,475,000 |
$158,000 | $2,500,000 |
$88,000 | $2,424,000 |
| FHA-insured (Federal Housing Administration) |
43 | $5,189,000 |
$120,000 | $213,000 |
$47,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
14 | $1,390,000 |
$99,000 | $167,000 |
$39,000 | $95,000 |
| VA-guaranteed (Veterans Administration) |
14 | $2,162,000 |
$154,000 | $216,000 |
$62,000 | $118,000 |
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| Application Approved But Not Accepted |
36 | $7,539,000 |
$209,000 | $1,600,000 |
$129,000 | $1,719,000 |
| Application Denied By Financial Institution |
80 | $11,311,000 |
$141,000 | $1,000,000 |
$58,000 | $272,000 |
| Application Withdrawn By Applicant |
70 | $10,912,000 |
$155,000 | $1,000,000 |
$75,000 | $396,000 |
| File Closed For Incompleteness |
1 | $25,000 |
$25,000 | $25,000 |
$106,000 | $106,000 |
| Loan Originated |
534 | $82,838,000 |
$155,000 | $2,500,000 |
$88,000 | $2,424,000 |
| 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 |
27 | $3,591,000 |
$133,000 | $300,000 |
$46,000 | $142,000 |
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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 COMMONWEALTH BANK & TRUST CO by:
Metropolitan Area And
County
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