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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 SECURITY BANK OF OWENSBO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST SECURITY BANK OF OWENSBO |
| Address | 300 FREDERICA STREET, P . O. BOX 788
OWENSBORO, KY 42301 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 122 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,032,000 |
| Average Mortgage Loan Amount Applied For | $81,166 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $68,166 |
| Highest Applicant Income | $369,000 |
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| Home Improvement |
5 | $173,000 |
$34,000 | $110,000 |
$36,000 | $66,000 |
| Home Purchase |
56 | $5,258,000 |
$93,000 | $600,000 |
$64,000 | $369,000 |
| Refinancing |
61 | $6,601,000 |
$108,000 | $417,000 |
$83,000 | $221,000 |
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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 |
1 | $118,000 |
$118,000 | $118,000 |
$64,000 | $64,000 |
| Not applicable |
22 | $2,972,000 |
$135,000 | $600,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
99 | $8,942,000 |
$90,000 | $417,000 |
$89,000 | $369,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
122 | $12,032,000 |
$98,000 | $600,000 |
$72,000 | $369,000 |
| 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 |
4 | $89,000 |
$22,000 | $56,000 |
$26,000 | $45,000 |
| Application Withdrawn By Applicant |
9 | $1,025,000 |
$113,000 | $340,000 |
$55,000 | $94,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
109 | $10,918,000 |
$100,000 | $600,000 |
$76,000 | $369,000 |
| 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 |
4 | $89,000 |
$22,000 | $56,000 |
$26,000 | $45,000 |
| 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 FIRST SECURITY BANK OF OWENSBO by:
Metropolitan Area And
County
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