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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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THE BANK OF KENTUCKY INC
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BANK OF KENTUCKY INC |
| Address | 111 LOOKOUT FARM DRIVE
CRESTVIEW HILLS, KY 41017 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,048 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $132,766,000 |
| Average Mortgage Loan Amount Applied For | $156,028 |
| Highest Mortgage Loan Amount Applied For | $1,083,000 |
| Average Applicant Income | $151,285 |
| Highest Applicant Income | $1,284,000 |
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| Home Improvement |
3 | $66,000 |
$22,000 | $47,000 |
$67,000 | $143,000 |
| Home Purchase |
561 | $74,105,000 |
$132,000 | $1,083,000 |
$80,000 | $740,000 |
| Refinancing |
580 | $70,577,000 |
$121,000 | $768,000 |
$77,000 | $1,284,000 |
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| American Indian or Alaskan Native |
1 | $53,000 |
$53,000 | $53,000 |
$44,000 | $44,000 |
| Asian |
7 | $1,566,000 |
$223,000 | $490,000 |
$70,000 | $281,000 |
| Black or African American |
1 | $336,000 |
$336,000 | $336,000 |
$266,000 | $266,000 |
| Hispanic |
19 | $1,948,000 |
$102,000 | $244,000 |
$126,000 | $407,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $111,000 |
$111,000 | $111,000 |
$54,000 | $54,000 |
| Not applicable |
14 | $1,259,000 |
$89,000 | $255,000 |
$51,000 | $377,000 |
| Not Provided |
60 | $6,959,000 |
$115,000 | $380,000 |
$54,000 | $120,000 |
| White |
1,041 | $132,516,000 |
$127,000 | $1,083,000 |
$80,000 | $1,284,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,134 | $143,612,000 |
$126,000 | $1,083,000 |
$78,000 | $1,284,000 |
| FHA-insured (Federal Housing Administration) |
6 | $576,000 |
$96,000 | $157,000 |
$29,000 | $42,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
3 | $490,000 |
$163,000 | $290,000 |
$177,000 | $396,000 |
| VA-guaranteed (Veterans Administration) |
1 | $70,000 |
$70,000 | $70,000 |
$304,000 | $304,000 |
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| Application Approved But Not Accepted |
57 | $8,238,000 |
$144,000 | $456,000 |
$89,000 | $406,000 |
| Application Denied By Financial Institution |
76 | $8,132,000 |
$107,000 | $400,000 |
$43,000 | $192,000 |
| Application Withdrawn By Applicant |
84 | $10,795,000 |
$128,000 | $650,000 |
$61,000 | $277,000 |
| File Closed For Incompleteness |
4 | $380,000 |
$95,000 | $140,000 |
$220,000 | $740,000 |
| Loan Originated |
879 | $111,282,000 |
$126,000 | $1,083,000 |
$83,000 | $1,284,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
29 | $4,573,000 |
$157,000 | $350,000 |
$60,000 | $266,000 |
| Preapproval Denied by Financial Institution |
15 | $1,348,000 |
$89,000 | $150,000 |
$32,000 | $65,000 |
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| Collateral |
4 | $548,000 |
$137,000 | $264,000 |
$50,000 | $112,000 |
| Credit Application Incomplete |
15 | $1,395,000 |
$93,000 | $155,000 |
$50,000 | $126,000 |
| Credit History |
49 | $5,415,000 |
$110,000 | $400,000 |
$42,000 | $120,000 |
| Debt-To-Income Ratio |
13 | $1,281,000 |
$98,000 | $220,000 |
$20,000 | $67,000 |
| Employment History |
2 | $160,000 |
$80,000 | $100,000 |
$29,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $75,000 |
$75,000 | $75,000 |
$192,000 | $192,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $104,000 |
$104,000 | $104,000 |
$41,000 | $41,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE BANK OF KENTUCKY INC by:
Metropolitan Area And
County
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