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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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FIRST & PEOPLES BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST & PEOPLES BANK AND TRUST |
| Address | PO BOX AB
RUSSELL, KY 41169 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 195 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,015,000 |
| Average Mortgage Loan Amount Applied For | $38,000 |
| Highest Mortgage Loan Amount Applied For | $225,000 |
| Average Applicant Income | $44,500 |
| Highest Applicant Income | $240,000 |
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| Home Improvement |
78 | $1,486,000 |
$19,000 | $225,000 |
$44,000 | $240,000 |
| Home Purchase |
50 | $2,961,000 |
$59,000 | $200,000 |
$57,000 | $144,000 |
| Refinancing |
76 | $4,773,000 |
$62,000 | $210,000 |
$43,000 | $131,000 |
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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 |
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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
204 | $9,220,000 |
$45,000 | $225,000 |
$47,000 | $240,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
204 | $9,220,000 |
$45,000 | $225,000 |
$47,000 | $240,000 |
| 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 |
1 | $2,000 |
$2,000 | $2,000 |
$14,000 | $14,000 |
| Application Denied By Financial Institution |
26 | $1,098,000 |
$42,000 | $160,000 |
$37,000 | $125,000 |
| Application Withdrawn By Applicant |
9 | $354,000 |
$39,000 | $95,000 |
$54,000 | $100,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
168 | $7,766,000 |
$46,000 | $225,000 |
$48,000 | $240,000 |
| 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 |
16 | $493,000 |
$30,000 | $125,000 |
$36,000 | $73,000 |
| Debt-To-Income Ratio |
7 | $386,000 |
$55,000 | $160,000 |
$40,000 | $125,000 |
| Employment History |
1 | $85,000 |
$85,000 | $85,000 |
$32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $134,000 |
$67,000 | $85,000 |
$40,000 | $67,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST & PEOPLES BANK AND TRUST by:
Metropolitan Area And
County
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