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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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DEPOSIT BANK & TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
DEPOSIT BANK & TRUST COMPANY |
| Address | 102-108 N PUBLIC SQUARE
GREENSBURG, KY 42743 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 198 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,086,000 |
| Average Mortgage Loan Amount Applied For | $144,700 |
| Highest Mortgage Loan Amount Applied For | $1,513,000 |
| Average Applicant Income | $32,900 |
| Highest Applicant Income | $234,000 |
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| Home Improvement |
56 | $1,301,000 |
$23,000 | $116,000 |
$41,000 | $234,000 |
| Home Purchase |
99 | $6,277,000 |
$63,000 | $1,513,000 |
$38,000 | $201,000 |
| Refinancing |
43 | $2,508,000 |
$58,000 | $273,000 |
$39,000 | $129,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
5 | $139,000 |
$27,000 | $51,000 |
$15,000 | $20,000 |
| Hispanic |
3 | $59,000 |
$19,000 | $33,000 |
$11,000 | $17,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $3,000 |
$3,000 | $3,000 |
$28,000 | $28,000 |
| Not applicable |
3 | $2,282,000 |
$760,000 | $1,513,000 |
$67,000 | $201,000 |
| Not Provided |
1 | $70,000 |
$70,000 | $70,000 |
$0 | $0 |
| White |
185 | $7,533,000 |
$40,000 | $273,000 |
$40,000 | $234,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
198 | $10,086,000 |
$50,000 | $1,513,000 |
$39,000 | $234,000 |
| 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 |
2 | $129,000 |
$64,000 | $99,000 |
$78,000 | $100,000 |
| Application Denied By Financial Institution |
24 | $826,000 |
$34,000 | $204,000 |
$22,000 | $125,000 |
| Application Withdrawn By Applicant |
10 | $356,000 |
$35,000 | $70,000 |
$22,000 | $52,000 |
| File Closed For Incompleteness |
1 | $18,000 |
$18,000 | $18,000 |
$17,000 | $17,000 |
| Loan Originated |
161 | $8,757,000 |
$54,000 | $1,513,000 |
$42,000 | $234,000 |
| 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 |
1 | $20,000 |
$20,000 | $20,000 |
$13,000 | $13,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $419,000 |
$24,000 | $70,000 |
$24,000 | $125,000 |
| Debt-To-Income Ratio |
6 | $387,000 |
$64,000 | $204,000 |
$19,000 | $34,000 |
| 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 DEPOSIT BANK & TRUST COMPANY by:
Metropolitan Area And
County
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