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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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VICTORY BANCORP
Mortgage Loans and Application Details
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| Mortgage Company Name |
VICTORY BANCORP |
| Address | 2500 CHAMBER CENTER DRIVE SUITE 102
FT. MITCHELL, KY 41017 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 1,878 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $294,512,000 |
| Average Mortgage Loan Amount Applied For | $173,766 |
| Highest Mortgage Loan Amount Applied For | $1,350,000 |
| Average Applicant Income | $149,133 |
| Highest Applicant Income | $960,000 |
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| Home Improvement (one-to-four family) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase (one-to-four family) |
1,029 | $154,753,000 |
$180,600 | $334,000 |
$243,600 | $960,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
4 | $1,754,000 |
$438,000 | $640,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
845 | $138,005,000 |
$259,000 | $1,350,000 |
$304,000 | $802,000 |
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| American Indian or Alaskan Native |
1 | $135,000 |
$135,000 | $135,000 |
$45,000 | $45,000 |
| Asian or Pacific Islander |
22 | $3,922,000 |
$177,500 | $307,000 |
$91,000 | $174,000 |
| Black |
38 | $5,575,000 |
$144,000 | $266,000 |
$98,500 | $494,000 |
| Hispanic |
3 | $497,000 |
$165,000 | $176,000 |
$51,000 | $66,000 |
| Information not provided by applicant in mail or telephone application |
385 | $58,537,000 |
$150,500 | $830,000 |
$93,000 | $532,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
5 | $1,783,000 |
$612,500 | $1,040,000 |
$236,000 | $384,000 |
| White |
1,424 | $224,063,000 |
$221,875 | $1,350,000 |
$249,750 | $960,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,745 | $275,953,000 |
$222,250 | $1,350,000 |
$253,250 | $960,000 |
| FHA-insured (Federal Housing Administration) |
110 | $14,825,000 |
$135,000 | $162,000 |
$41,500 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $287,000 |
$143,000 | $145,000 |
$36,000 | $37,000 |
| VA-guaranteed (Veterans Administration) |
21 | $3,447,000 |
$167,500 | $265,000 |
$72,500 | $119,000 |
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| Application Approved But Not Accepted |
17 | $2,694,000 |
$165,000 | $286,000 |
$57,500 | $103,000 |
| Application Denied By Financial Institution |
6 | $829,000 |
$120,500 | $272,000 |
$74,500 | $134,000 |
| Application Withdrawn By Applicant |
74 | $12,494,000 |
$163,000 | $640,000 |
$84,666 | $532,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,781 | $278,495,000 |
$221,750 | $1,350,000 |
$251,875 | $960,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
2 | $315,000 |
$157,500 | $272,000 |
$85,500 | $96,000 |
| Credit Application Incomplete |
1 | $96,000 |
$96,000 | $96,000 |
$67,000 | $67,000 |
| Credit History |
2 | $293,000 |
$146,000 | $173,000 |
$87,000 | $134,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $125,000 |
$125,000 | $125,000 |
$45,000 | $45,000 |
| 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 VICTORY BANCORP by:
Metropolitan Area And
County
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