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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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GRANT COUNTY DEPOSIT BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
GRANT COUNTY DEPOSIT BANK |
| Address | 106 NORTH MAIN ST.
WILLIAMSTOWN, KY 41097 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 193 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,263,000 |
| Average Mortgage Loan Amount Applied For | $66,700 |
| Highest Mortgage Loan Amount Applied For | $269,000 |
| Average Applicant Income | $62,300 |
| Highest Applicant Income | $313,000 |
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| Home Improvement |
34 | $956,000 |
$28,000 | $102,000 |
$53,000 | $121,000 |
| Home Purchase |
76 | $5,432,000 |
$71,000 | $269,000 |
$56,000 | $313,000 |
| Refinancing |
83 | $4,875,000 |
$58,000 | $218,000 |
$44,000 | $216,000 |
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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 |
1 | $150,000 |
$150,000 | $150,000 |
$23,000 | $23,000 |
| Hispanic |
1 | $44,000 |
$44,000 | $44,000 |
$50,000 | $50,000 |
| 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 |
191 | $11,069,000 |
$57,000 | $269,000 |
$51,000 | $313,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
193 | $11,263,000 |
$58,000 | $269,000 |
$50,000 | $313,000 |
| 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 |
36 | $2,315,000 |
$64,000 | $218,000 |
$35,000 | $89,000 |
| Application Withdrawn By Applicant |
12 | $1,433,000 |
$119,000 | $243,000 |
$51,000 | $91,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
145 | $7,515,000 |
$51,000 | $269,000 |
$54,000 | $313,000 |
| 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 |
5 | $334,000 |
$66,000 | $130,000 |
$30,000 | $43,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
26 | $1,316,000 |
$50,000 | $133,000 |
$35,000 | $89,000 |
| Debt-To-Income Ratio |
4 | $572,000 |
$143,000 | $218,000 |
$38,000 | $75,000 |
| Employment History |
1 | $93,000 |
$93,000 | $93,000 |
$48,000 | $48,000 |
| 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 GRANT COUNTY DEPOSIT BANK by:
Metropolitan Area And
County
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