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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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COMMUNITY TRUST BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY TRUST BANK |
| Address | 1101 ROC LANE
RUSTON, LA 71270 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 991 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $82,179,000 |
| Average Mortgage Loan Amount Applied For | $158,551 |
| Highest Mortgage Loan Amount Applied For | $2,030,000 |
| Average Applicant Income | $152,103 |
| Highest Applicant Income | $1,600,000 |
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| Home Improvement |
207 | $6,124,000 |
$29,000 | $390,000 |
$59,000 | $360,000 |
| Home Purchase |
428 | $42,174,000 |
$98,000 | $2,030,000 |
$79,000 | $1,553,000 |
| Refinancing |
366 | $34,160,000 |
$93,000 | $1,032,000 |
$82,000 | $1,600,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
5 | $354,000 |
$70,000 | $135,000 |
$192,000 | $420,000 |
| Black or African American |
124 | $4,405,000 |
$35,000 | $280,000 |
$45,000 | $211,000 |
| Hispanic |
11 | $290,000 |
$26,000 | $54,000 |
$40,000 | $84,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $15,000 |
$15,000 | $15,000 |
$157,000 | $157,000 |
| Not applicable |
57 | $7,623,000 |
$133,000 | $2,030,000 |
$94,000 | $1,206,000 |
| Not Provided |
6 | $188,000 |
$31,000 | $80,000 |
$160,000 | $635,000 |
| White |
797 | $69,583,000 |
$87,000 | $1,680,000 |
$79,000 | $1,600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
987 | $80,701,000 |
$81,000 | $2,030,000 |
$76,000 | $1,600,000 |
| FHA-insured (Federal Housing Administration) |
9 | $1,122,000 |
$124,000 | $174,000 |
$64,000 | $121,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
5 | $635,000 |
$127,000 | $148,000 |
$63,000 | $85,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
114 | $3,252,000 |
$28,000 | $285,000 |
$41,000 | $218,000 |
| Application Withdrawn By Applicant |
16 | $546,000 |
$34,000 | $89,000 |
$43,000 | $114,000 |
| File Closed For Incompleteness |
1 | $183,000 |
$183,000 | $183,000 |
$73,000 | $73,000 |
| Loan Originated |
870 | $78,477,000 |
$90,000 | $2,030,000 |
$81,000 | $1,600,000 |
| 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 |
3 | $326,000 |
$108,000 | $285,000 |
$38,000 | $48,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
98 | $2,338,000 |
$23,000 | $174,000 |
$43,000 | $218,000 |
| Debt-To-Income Ratio |
11 | $340,000 |
$30,000 | $64,000 |
$33,000 | $162,000 |
| Employment History |
1 | $16,000 |
$16,000 | $16,000 |
$36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $232,000 |
$232,000 | $232,000 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMUNITY TRUST BANK by:
Metropolitan Area And
County
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