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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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KENTUCKY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KENTUCKY BANK |
| Address | 4TH & MAIN STREETS
PARIS, KY 40361 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 407 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $50,773,000 |
| Average Mortgage Loan Amount Applied For | $172,281 |
| Highest Mortgage Loan Amount Applied For | $2,800,000 |
| Average Applicant Income | $102,750 |
| Highest Applicant Income | $1,700,000 |
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| Home Improvement |
11 | $117,000 |
$10,000 | $35,000 |
$39,000 | $94,000 |
| Home Purchase |
174 | $26,380,000 |
$151,000 | $2,800,000 |
$75,000 | $775,000 |
| Refinancing |
222 | $24,276,000 |
$109,000 | $970,000 |
$68,000 | $1,700,000 |
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| American Indian or Alaskan Native |
1 | $186,000 |
$186,000 | $186,000 |
$55,000 | $55,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
13 | $1,332,000 |
$102,000 | $512,000 |
$90,000 | $540,000 |
| Hispanic |
5 | $437,000 |
$87,000 | $187,000 |
$27,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
25 | $7,746,000 |
$309,000 | $2,800,000 |
$20,000 | $416,000 |
| Not Provided |
15 | $1,720,000 |
$114,000 | $600,000 |
$47,000 | $133,000 |
| White |
348 | $39,352,000 |
$113,000 | $1,700,000 |
$75,000 | $1,700,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
407 | $50,773,000 |
$124,000 | $2,800,000 |
$70,000 | $1,700,000 |
| 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 |
18 | $2,550,000 |
$141,000 | $800,000 |
$55,000 | $180,000 |
| Application Denied By Financial Institution |
45 | $3,341,000 |
$74,000 | $315,000 |
$41,000 | $116,000 |
| Application Withdrawn By Applicant |
18 | $2,662,000 |
$147,000 | $600,000 |
$44,000 | $123,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
326 | $42,220,000 |
$129,000 | $2,800,000 |
$77,000 | $1,700,000 |
| 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 KENTUCKY BANK by:
Metropolitan Area And
County
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