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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 TELCO FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
KENTUCKY TELCO FCU |
| Address | 3740 BARDSTOWN ROAD
LOUISVILLE, KY 40218 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 132 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $8,577,000 |
| Average Mortgage Loan Amount Applied For | $64,346 |
| Highest Mortgage Loan Amount Applied For | $280,000 |
| Average Applicant Income | $67,961 |
| Highest Applicant Income | $182,000 |
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| Home Improvement |
53 | $1,617,000 |
$30,000 | $120,000 |
$60,000 | $140,000 |
| Home Purchase |
35 | $3,579,000 |
$102,000 | $280,000 |
$68,000 | $182,000 |
| Refinancing |
48 | $3,923,000 |
$81,000 | $200,000 |
$58,000 | $145,000 |
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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 |
14 | $837,000 |
$59,000 | $145,000 |
$59,000 | $120,000 |
| Hispanic |
2 | $126,000 |
$63,000 | $86,000 |
$87,000 | $140,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
13 | $1,420,000 |
$109,000 | $225,000 |
$61,000 | $144,000 |
| White |
107 | $6,736,000 |
$62,000 | $280,000 |
$61,000 | $182,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
136 | $9,119,000 |
$67,000 | $280,000 |
$61,000 | $182,000 |
| 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 |
10 | $1,087,000 |
$108,000 | $225,000 |
$51,000 | $70,000 |
| Application Denied By Financial Institution |
16 | $1,145,000 |
$71,000 | $200,000 |
$48,000 | $120,000 |
| Application Withdrawn By Applicant |
7 | $111,000 |
$15,000 | $30,000 |
$56,000 | $90,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
100 | $6,459,000 |
$64,000 | $280,000 |
$65,000 | $182,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $250,000 |
$125,000 | $150,000 |
$50,000 | $71,000 |
| Preapproval Denied by Financial Institution |
1 | $67,000 |
$67,000 | $67,000 |
$93,000 | $93,000 |
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| Collateral |
6 | $263,000 |
$43,000 | $120,000 |
$46,000 | $69,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $257,000 |
$128,000 | $145,000 |
$52,000 | $65,000 |
| Debt-To-Income Ratio |
6 | $548,000 |
$91,000 | $200,000 |
$55,000 | $120,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $40,000 |
$40,000 | $40,000 |
$24,000 | $24,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $67,000 |
$67,000 | $67,000 |
$93,000 | $93,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for KENTUCKY TELCO FCU by:
Metropolitan Area And
County
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