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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 FEDERAL S&L
Mortgage Loans and Application Details
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| Mortgage Company Name |
KENTUCKY FEDERAL S&L |
| Address | 1050 SCOTT STREET
COVINGTON, KY 41011 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 55 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,521,000 |
| Average Mortgage Loan Amount Applied For | $122,090 |
| Highest Mortgage Loan Amount Applied For | $450,000 |
| Average Applicant Income | $121,000 |
| Highest Applicant Income | $711,000 |
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| Home Improvement |
4 | $46,000 |
$11,000 | $22,000 |
$44,000 | $86,000 |
| Home Purchase |
33 | $3,243,000 |
$98,000 | $450,000 |
$144,000 | $340,000 |
| Refinancing |
18 | $2,232,000 |
$124,000 | $238,000 |
$145,000 | $711,000 |
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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 | $223,000 |
$44,000 | $78,000 |
$29,000 | $36,000 |
| Hispanic |
1 | $88,000 |
$88,000 | $88,000 |
$25,000 | $25,000 |
| 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 |
49 | $5,210,000 |
$106,000 | $450,000 |
$150,000 | $711,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
55 | $5,521,000 |
$100,000 | $450,000 |
$137,000 | $711,000 |
| 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 |
6 | $515,000 |
$85,000 | $181,000 |
$43,000 | $75,000 |
| Application Withdrawn By Applicant |
3 | $385,000 |
$128,000 | $238,000 |
$87,000 | $160,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
46 | $4,621,000 |
$100,000 | $450,000 |
$153,000 | $711,000 |
| 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 | $80,000 |
$80,000 | $80,000 |
$59,000 | $59,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $166,000 |
$55,000 | $78,000 |
$33,000 | $36,000 |
| Debt-To-Income Ratio |
1 | $181,000 |
$181,000 | $181,000 |
$75,000 | $75,000 |
| 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 |
1 | $88,000 |
$88,000 | $88,000 |
$25,000 | $25,000 |
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Mortgage Loan App Totals for KENTUCKY FEDERAL S&L by:
Metropolitan Area And
County
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