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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 Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 125 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,311,000 |
| Average Mortgage Loan Amount Applied For | $91,500 |
| Highest Mortgage Loan Amount Applied For | $1,150,000 |
| Average Applicant Income | $53,562 |
| Highest Applicant Income | $372,000 |
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| Home Improvement |
11 | $807,000 |
$73,000 | $320,000 |
$96,000 | $346,000 |
| Home Purchase |
77 | $10,101,000 |
$131,000 | $1,150,000 |
$49,000 | $372,000 |
| Refinancing |
38 | $3,503,000 |
$92,000 | $624,000 |
$30,000 | $170,000 |
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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 | $559,000 |
$111,000 | $194,000 |
$98,000 | $170,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
49 | $6,681,000 |
$136,000 | $1,150,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
72 | $7,171,000 |
$99,000 | $400,000 |
$76,000 | $372,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
126 | $14,411,000 |
$114,000 | $1,150,000 |
$47,000 | $372,000 |
| 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 |
2 | $90,000 |
$45,000 | $53,000 |
$225,000 | $338,000 |
| Application Denied By Financial Institution |
3 | $265,000 |
$88,000 | $145,000 |
$31,000 | $38,000 |
| Application Withdrawn By Applicant |
3 | $366,000 |
$122,000 | $190,000 |
$40,000 | $100,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
118 | $13,690,000 |
$116,000 | $1,150,000 |
$45,000 | $372,000 |
| 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 |
1 | $145,000 |
$145,000 | $145,000 |
$30,000 | $30,000 |
| Debt-To-Income Ratio |
2 | $120,000 |
$60,000 | $97,000 |
$31,000 | $38,000 |
| 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 |
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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