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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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STOCK YARDS BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
STOCK YARDS BANK & TRUST CO |
| Address | 1040 EAST MAIN STREET
LOUISVILLE, KY 40206 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,411 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $173,600,000 |
| Average Mortgage Loan Amount Applied For | $216,032 |
| Highest Mortgage Loan Amount Applied For | $1,600,000 |
| Average Applicant Income | $147,475 |
| Highest Applicant Income | $2,730,000 |
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| Home Improvement |
146 | $3,097,000 |
$21,000 | $300,000 |
$62,000 | $480,000 |
| Home Purchase |
614 | $86,869,000 |
$141,000 | $1,600,000 |
$84,000 | $2,730,000 |
| Refinancing |
728 | $92,304,000 |
$126,000 | $1,000,000 |
$76,000 | $1,132,000 |
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| American Indian or Alaskan Native |
2 | $118,000 |
$59,000 | $78,000 |
$21,000 | $24,000 |
| Asian |
23 | $3,419,000 |
$148,000 | $612,000 |
$53,000 | $240,000 |
| Black or African American |
65 | $5,652,000 |
$86,000 | $196,000 |
$49,000 | $160,000 |
| Hispanic |
16 | $2,406,000 |
$150,000 | $344,000 |
$77,000 | $252,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $413,000 |
$137,000 | $184,000 |
$49,000 | $64,000 |
| Not applicable |
44 | $10,102,000 |
$229,000 | $1,600,000 |
$0 | $0 |
| Not Provided |
102 | $10,959,000 |
$107,000 | $880,000 |
$78,000 | $330,000 |
| White |
1,233 | $149,201,000 |
$121,000 | $1,000,000 |
$83,000 | $2,730,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,223 | $151,866,000 |
$124,000 | $1,600,000 |
$85,000 | $2,730,000 |
| FHA-insured (Federal Housing Administration) |
228 | $24,916,000 |
$109,000 | $217,000 |
$44,000 | $392,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
37 | $5,488,000 |
$148,000 | $444,000 |
$59,000 | $239,000 |
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| Application Approved But Not Accepted |
54 | $5,381,000 |
$99,000 | $800,000 |
$72,000 | $379,000 |
| Application Denied By Financial Institution |
236 | $25,235,000 |
$106,000 | $880,000 |
$50,000 | $348,000 |
| Application Withdrawn By Applicant |
159 | $25,171,000 |
$158,000 | $1,000,000 |
$91,000 | $1,132,000 |
| File Closed For Incompleteness |
54 | $7,157,000 |
$132,000 | $600,000 |
$63,000 | $338,000 |
| Loan Originated |
909 | $110,781,000 |
$121,000 | $1,600,000 |
$87,000 | $2,730,000 |
| 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 |
76 | $8,545,000 |
$112,000 | $300,000 |
$43,000 | $120,000 |
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| Collateral |
31 | $4,894,000 |
$157,000 | $880,000 |
$56,000 | $174,000 |
| Credit Application Incomplete |
11 | $1,052,000 |
$95,000 | $119,000 |
$39,000 | $93,000 |
| Credit History |
118 | $11,551,000 |
$97,000 | $560,000 |
$57,000 | $348,000 |
| Debt-To-Income Ratio |
123 | $12,828,000 |
$104,000 | $370,000 |
$39,000 | $157,000 |
| Employment History |
10 | $737,000 |
$73,000 | $142,000 |
$47,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
6 | $1,049,000 |
$174,000 | $345,000 |
$53,000 | $109,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
9 | $1,237,000 |
$137,000 | $300,000 |
$53,000 | $96,000 |
| Unverifiable Information |
2 | $221,000 |
$110,000 | $116,000 |
$56,000 | $59,000 |
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Mortgage Loan App Totals for STOCK YARDS BANK & TRUST CO by:
Metropolitan Area And
County
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