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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 & BANKING CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY TRUST & BANKING CO. |
| Address | 9125 LEE HIGHWAY
OOLTEWAH, TN 37363 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 59 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $8,618,000 |
| Average Mortgage Loan Amount Applied For | $189,000 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $127,142 |
| Highest Applicant Income | $1,091,000 |
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| Home Improvement |
3 | $44,000 |
$14,000 | $19,000 |
$116,000 | $145,000 |
| Home Purchase |
30 | $5,127,000 |
$170,000 | $1,500,000 |
$135,000 | $1,091,000 |
| Refinancing |
26 | $3,447,000 |
$132,000 | $850,000 |
$55,000 | $331,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $193,000 |
$193,000 | $193,000 |
$101,000 | $101,000 |
| Black or African American |
1 | $25,000 |
$25,000 | $25,000 |
$33,000 | $33,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $1,456,000 |
$242,000 | $850,000 |
$0 | $0 |
| Not Provided |
2 | $316,000 |
$158,000 | $176,000 |
$32,000 | $43,000 |
| White |
49 | $6,628,000 |
$135,000 | $1,500,000 |
$115,000 | $1,091,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
59 | $8,618,000 |
$146,000 | $1,500,000 |
$99,000 | $1,091,000 |
| 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 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
6 | $511,000 |
$85,000 | $135,000 |
$36,000 | $66,000 |
| Application Withdrawn By Applicant |
16 | $2,380,000 |
$148,000 | $290,000 |
$75,000 | $273,000 |
| File Closed For Incompleteness |
5 | $646,000 |
$129,000 | $183,000 |
$42,000 | $89,000 |
| Loan Originated |
32 | $5,081,000 |
$158,000 | $1,500,000 |
$131,000 | $1,091,000 |
| 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 COMMUNITY TRUST & BANKING CO. by:
Metropolitan Area And
County
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