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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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RIVER CITY BANK, INC.
Mortgage Loans and Application Details
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| Mortgage Company Name |
RIVER CITY BANK, INC. |
| Address | 7710 OUTER LOOP
LOUISVILLE, KY 40228 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,203 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $83,766,000 |
| Average Mortgage Loan Amount Applied For | $82,307 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $152,153 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
224 | $5,543,000 |
$24,000 | $281,000 |
$101,000 | $814,000 |
| Home Purchase |
691 | $52,155,000 |
$75,000 | $1,500,000 |
$110,000 | $1,000,000 |
| Refinancing |
347 | $28,006,000 |
$80,000 | $852,000 |
$103,000 | $1,000,000 |
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| American Indian or Alaskan Native |
1 | $50,000 |
$50,000 | $50,000 |
$59,000 | $59,000 |
| Asian |
5 | $213,000 |
$42,000 | $82,000 |
$88,000 | $130,000 |
| Black or African American |
365 | $15,759,000 |
$43,000 | $436,000 |
$91,000 | $366,000 |
| Hispanic |
17 | $973,000 |
$57,000 | $200,000 |
$89,000 | $324,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
6 | $149,000 |
$24,000 | $57,000 |
$65,000 | $107,000 |
| White |
868 | $68,560,000 |
$78,000 | $1,500,000 |
$114,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,262 | $85,704,000 |
$67,000 | $1,500,000 |
$107,000 | $1,000,000 |
| 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 |
21 | $1,352,000 |
$64,000 | $284,000 |
$77,000 | $174,000 |
| Application Denied By Financial Institution |
110 | $7,553,000 |
$68,000 | $664,000 |
$53,000 | $336,000 |
| Application Withdrawn By Applicant |
4 | $229,000 |
$57,000 | $66,000 |
$64,000 | $144,000 |
| File Closed For Incompleteness |
1 | $10,000 |
$10,000 | $10,000 |
$87,000 | $87,000 |
| Loan Originated |
1,087 | $76,047,000 |
$69,000 | $1,500,000 |
$115,000 | $1,000,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
8 | $115,000 |
$14,000 | $108,000 |
$86,000 | $143,000 |
| Preapproval Denied by Financial Institution |
31 | $398,000 |
$12,000 | $180,000 |
$55,000 | $125,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 RIVER CITY BANK, INC. by:
Metropolitan Area And
County
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