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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-OLDHAM COUNTY
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BANK-OLDHAM COUNTY |
| Address | 515 SOUTH FIRST STREET
LAGRANGE, KY 40031-0500 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 84 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,270,000 |
| Average Mortgage Loan Amount Applied For | $141,000 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $112,875 |
| Highest Applicant Income | $1,057,000 |
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| Home Improvement |
10 | $461,000 |
$46,000 | $250,000 |
$94,000 | $241,000 |
| Home Purchase |
38 | $7,303,000 |
$192,000 | $1,000,000 |
$174,000 | $1,057,000 |
| Refinancing |
36 | $4,506,000 |
$125,000 | $1,000,000 |
$65,000 | $128,000 |
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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 |
2 | $142,000 |
$71,000 | $117,000 |
$37,000 | $38,000 |
| Hispanic |
1 | $55,000 |
$55,000 | $55,000 |
$10,000 | $10,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $10,000 |
$10,000 | $10,000 |
$7,000 | $7,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
80 | $12,063,000 |
$150,000 | $1,000,000 |
$123,000 | $1,057,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
83 | $12,156,000 |
$146,000 | $1,000,000 |
$119,000 | $1,057,000 |
| FHA-insured (Federal Housing Administration) |
1 | $114,000 |
$114,000 | $114,000 |
$26,000 | $26,000 |
| 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 |
4 | $1,388,000 |
$347,000 | $1,000,000 |
$118,000 | $386,000 |
| Application Denied By Financial Institution |
18 | $2,272,000 |
$126,000 | $280,000 |
$55,000 | $128,000 |
| Application Withdrawn By Applicant |
19 | $3,607,000 |
$189,000 | $1,000,000 |
$63,000 | $158,000 |
| File Closed For Incompleteness |
3 | $466,000 |
$155,000 | $203,000 |
$54,000 | $85,000 |
| Loan Originated |
40 | $4,537,000 |
$113,000 | $750,000 |
$177,000 | $1,057,000 |
| 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 |
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 THE BANK-OLDHAM COUNTY by:
Metropolitan Area And
County
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