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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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KING SOUTHERN BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KING SOUTHERN BANK |
| Address | 5916 LAWRENCEBURG ROAD
CHAPLIN, KY 40012 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 167 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $27,363,000 |
| Average Mortgage Loan Amount Applied For | $122,333 |
| Highest Mortgage Loan Amount Applied For | $580,000 |
| Average Applicant Income | $59,555 |
| Highest Applicant Income | $767,000 |
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| Home Improvement |
21 | $1,809,000 |
$86,000 | $500,000 |
$66,000 | $767,000 |
| Home Purchase |
98 | $20,796,000 |
$214,000 | $580,000 |
$45,250 | $650,000 |
| Refinancing |
49 | $4,808,000 |
$81,500 | $405,000 |
$60,500 | $250,000 |
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| American Indian or Alaskan Native |
1 | $165,000 |
$165,000 | $165,000 |
$44,000 | $44,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $50,000 |
$50,000 | $50,000 |
$30,000 | $30,000 |
| Hispanic |
1 | $41,000 |
$41,000 | $41,000 |
$16,000 | $16,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
74 | $17,134,000 |
$329,000 | $580,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
91 | $10,023,000 |
$225,000 | $550,000 |
$95,666 | $767,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
168 | $27,413,000 |
$194,250 | $580,000 |
$53,000 | $767,000 |
| 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 |
3 | $147,000 |
$49,000 | $69,000 |
$34,000 | $65,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
164 | $27,216,000 |
$243,000 | $580,000 |
$61,000 | $767,000 |
| 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 |
1 | $50,000 |
$50,000 | $50,000 |
$30,000 | $30,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $80,000 |
$40,000 | $50,000 |
$47,500 | $65,000 |
| Debt-To-Income Ratio |
1 | $69,000 |
$69,000 | $69,000 |
$10,000 | $10,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $48,000 |
$48,000 | $48,000 |
$27,000 | $27,000 |
| 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 KING SOUTHERN BANK by:
Metropolitan Area And
County
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