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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 NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KENTUCKY NATIONAL BANK |
| Address | 1000 NORTH DIXIE AVE, P. O. BOX 2504
ELIZABETHTOWN, KY 42702 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2004 |
| Total Number of Mortgage Loan Applications Processed | 426 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,818,000 |
| Average Mortgage Loan Amount Applied For | $80,375 |
| Highest Mortgage Loan Amount Applied For | $1,268,000 |
| Average Applicant Income | $52,125 |
| Highest Applicant Income | $226,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
218 | $24,421,000 |
$65,000 | $392,000 |
$38,500 | $175,000 |
| Refinancing |
208 | $22,397,000 |
$91,000 | $1,268,000 |
$71,000 | $226,000 |
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| American Indian or Alaskan Native |
2 | $225,000 |
$112,000 | $118,000 |
$59,000 | $74,000 |
| Asian |
6 | $576,000 |
$96,000 | $127,000 |
$44,000 | $88,000 |
| Black or African American |
20 | $2,487,000 |
$124,000 | $296,000 |
$50,000 | $226,000 |
| Hispanic |
11 | $1,331,000 |
$121,000 | $232,000 |
$82,000 | $154,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $112,000 |
$112,000 | $112,000 |
$32,000 | $32,000 |
| Not applicable |
16 | $3,564,000 |
$222,000 | $1,000,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
370 | $38,523,000 |
$65,666 | $1,268,000 |
$56,333 | $199,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
299 | $31,409,000 |
$66,000 | $1,268,000 |
$55,666 | $226,000 |
| FHA-insured (Federal Housing Administration) |
4 | $347,000 |
$86,000 | $120,000 |
$44,000 | $53,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
123 | $15,062,000 |
$122,000 | $240,000 |
$54,000 | $140,000 |
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| Application Approved But Not Accepted |
2 | $175,000 |
$87,000 | $88,000 |
$48,000 | $49,000 |
| Application Denied By Financial Institution |
23 | $1,935,000 |
$84,000 | $133,000 |
$35,000 | $73,000 |
| Application Withdrawn By Applicant |
36 | $4,212,000 |
$117,000 | $315,000 |
$58,000 | $145,000 |
| File Closed For Incompleteness |
1 | $105,000 |
$105,000 | $105,000 |
$41,000 | $41,000 |
| Loan Originated |
364 | $40,391,000 |
$68,000 | $1,268,000 |
$57,333 | $226,000 |
| 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 | $1,319,000 |
$82,000 | $133,000 |
$37,000 | $73,000 |
| Debt-To-Income Ratio |
4 | $384,000 |
$96,000 | $128,000 |
$31,000 | $43,000 |
| Employment History |
1 | $105,000 |
$105,000 | $105,000 |
$28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $127,000 |
$63,000 | $101,000 |
$37,000 | $53,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for KENTUCKY NATIONAL BANK by:
Metropolitan Area And
County
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