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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 TRUST BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KENTUCKY TRUST BANK |
| Address | PO BOX 67
BEAVER DAM, KY 42320 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 51 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,328,000 |
| Average Mortgage Loan Amount Applied For | $41,600 |
| Highest Mortgage Loan Amount Applied For | $280,000 |
| Average Applicant Income | $59,100 |
| Highest Applicant Income | $262,000 |
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| Home Improvement |
3 | $6,000 |
$2,000 | $3,000 |
$30,000 | $31,000 |
| Home Purchase |
30 | $1,646,000 |
$54,000 | $280,000 |
$66,000 | $262,000 |
| Refinancing |
18 | $676,000 |
$37,000 | $162,000 |
$47,000 | $149,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $2,000 |
$2,000 | $2,000 |
$30,000 | $30,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $23,000 |
$23,000 | $23,000 |
$0 | $0 |
| Not Provided |
1 | $164,000 |
$164,000 | $164,000 |
$38,000 | $38,000 |
| White |
48 | $2,139,000 |
$44,000 | $280,000 |
$59,000 | $262,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
51 | $2,328,000 |
$45,000 | $280,000 |
$57,000 | $262,000 |
| 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 |
8 | $94,000 |
$11,000 | $30,000 |
$32,000 | $49,000 |
| Application Withdrawn By Applicant |
3 | $190,000 |
$63,000 | $89,000 |
$51,000 | $79,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
40 | $2,044,000 |
$51,000 | $280,000 |
$62,000 | $262,000 |
| 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 |
7 | $93,000 |
$13,000 | $30,000 |
$32,000 | $49,000 |
| 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 TRUST BANK by:
Metropolitan Area And
County
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