Cgb Agri Financial Services Mortgage Lending & HMDA Data, 2006
In 2006, Cgb Agri Financial Services of Louisville, KY reported 186 mortgage applications totaling $37.3 million, down 4% from 2005. The average application was for $200,290, and applicants reported an average income of $80,263. 1% of its applications resulted in an originated loan and 60% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (3), Kansas City, MO-KS (3) and Ocala, FL (3) (applications in parentheses).
| Mortgage Company & Address | Cgb Agri Financial Services 2209 River Road Louisville, KY 40206 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 186 |
| Total Mortgage Loan Application Amount | $37,254,000 |
| Average Mortgage Loan Application Amount | $200,290 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $80,263 |
| Highest Applicant Income | $474,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cgb Agri Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 3 | $ 1,111,000 | $ 370,333 | $ 226,000 |
| Kansas City, MO-KS | 3 | $ 717,000 | $ 239,000 | $ 64,000 |
| Ocala, FL | 3 | $ 266,000 | $ 88,666 | $ 56,000 |
| Albuquerque, NM | 2 | $ 633,000 | $ 316,500 | $ 139,000 |
| Austin-Round Rock, TX | 2 | $ 1,435,000 | $ 717,500 | $ 139,000 |
| Camden, NJ | 2 | $ 500,000 | $ 250,000 | $ 51,000 |
| Dallas-Plano-Irving, TX | 2 | $ 121,000 | $ 60,500 | $ 36,000 |
| Dayton, OH | 2 | $ 176,000 | $ 88,000 | $ 93,000 |
| El Paso, TX | 2 | $ 188,000 | $ 94,000 | $ 60,000 |
| Greenville, SC | 2 | $ 594,000 | $ 297,000 | $ 121,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 196,000 | $ 98,000 | $ 59,500 |
| Newark-Union, NJ-PA | 2 | $ 888,000 | $ 444,000 | $ 72,000 |
| Oklahoma City, OK | 2 | $ 604,000 | $ 302,000 | $ 45,000 |
| Orlando-Kissimmee, FL | 2 | $ 243,000 | $ 121,500 | $ 55,000 |
| Pittsburgh, PA | 2 | $ 1,240,000 | $ 620,000 | $ 320,000 |
| San Antonio, TX | 2 | $ 150,000 | $ 75,000 | $ 33,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 153,000 | $ 76,500 | $ 46,000 |
| Worcester, MA | 2 | $ 904,000 | $ 452,000 | $ 101,000 |
| Amarillo, TX | 1 | $ 69,000 | $ 69,000 | $ 22,000 |
| Anchorage, AK | 1 | $ 171,000 | $ 171,000 | $ 84,000 |
| Bakersfield, CA | 1 | $ 137,000 | $ 137,000 | $ 46,000 |
| Bangor, ME | 1 | $ 68,000 | $ 68,000 | $ 42,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 200,000 | $ 200,000 | $ 24,000 |
| Boise City-Nampa, ID | 1 | $ 215,000 | $ 215,000 | $ 39,000 |
| Chattanooga, TN-GA | 1 | $ 140,000 | $ 140,000 | $ 177,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 272,000 | $ 272,000 | $ 64,000 |
| Columbia, SC | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 150,000 | $ 150,000 | $ 61,000 |
| Des Moines-West Des Moines, IA | 1 | $ 281,000 | $ 281,000 | $ 161,000 |
| Dothan, AL | 1 | $ 485,000 | $ 485,000 | $ 95,000 |
| Duluth, MN-WI | 1 | $ 149,000 | $ 149,000 | $ 126,000 |
| Evansville, IN-KY | 1 | $ 58,000 | $ 58,000 | $ 150,000 |
| Hanford-Corcoran, CA | 1 | $ 576,000 | $ 576,000 | $ 4,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Idaho Falls, ID | 1 | $ 223,000 | $ 223,000 | $ 92,000 |
| Kingston, NY | 1 | $ 520,000 | $ 520,000 | $ 254,000 |
| Lancaster, PA | 1 | $ 150,000 | $ 150,000 | $ 7,000 |
| Little Rock-North Little Rock, AR | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Longview, TX | 1 | $ 70,000 | $ 70,000 | $ 68,000 |
| Madera, CA | 1 | $ 371,000 | $ 371,000 | $ 108,000 |
| Merced, CA | 1 | $ 146,000 | $ 146,000 | $ 75,000 |
| Napa, CA | 1 | $ 600,000 | $ 600,000 | $ 175,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 106,000 | $ 106,000 | $ 47,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 360,000 | $ 360,000 | $ 75,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 395,000 | $ 395,000 | $ 79,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 70,000 | $ 70,000 | $ 85,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 300,000 | $ 300,000 | $ 57,000 |
| Prescott, AZ | 1 | $ 159,000 | $ 159,000 | $ 61,000 |
| Raleigh-Cary, NC | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Richmond, VA | 1 | $ 60,000 | $ 60,000 | $ 47,000 |
| Roanoke, VA | 1 | $ 382,000 | $ 382,000 | $ 107,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 765,000 | $ 765,000 | $ 350,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 300,000 | $ 300,000 | $ 131,000 |
| Spokane, WA | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Springfield, MO | 1 | $ 126,000 | $ 126,000 | $ 70,000 |
| St. Louis, MO-IL | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Terre Haute, IN | 1 | $ 380,000 | $ 380,000 | $ 305,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Topeka, KS | 1 | $ 289,000 | $ 289,000 | $ 67,000 |
| Vallejo-Fairfield, CA | 1 | $ 520,000 | $ 520,000 | $ 77,000 |
| Waco, TX | 1 | $ 50,000 | $ 50,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Cgb Agri Financial Services in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 112 | $24,154,000 | $215,000 | $1,400,000 | $80,000 | $452,000 |
| Home Purchase | 65 | $11,922,000 | $183,000 | $765,000 | $82,000 | $474,000 |
| Home Improvement | 9 | $1,178,000 | $130,000 | $404,000 | $71,000 | $180,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 125 | $26,801,000 | $214,000 | $1,400,000 | $83,000 | $474,000 |
| Not Provided | 47 | $7,282,000 | $154,000 | $580,000 | $79,000 | $305,000 |
| Hispanic | 12 | $3,051,000 | $254,000 | $576,000 | $59,000 | $108,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $34,000 | $34,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $24,000 | $24,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 186 | $37,254,000 | $200,000 | $1,400,000 | $80,000 | $474,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 111 | $22,441,000 | $202,000 | $1,400,000 | $71,000 | $452,000 |
| Application Withdrawn By Applicant | 73 | $14,622,000 | $200,000 | $765,000 | $94,000 | $474,000 |
| Loan Originated | 2 | $191,000 | $95,000 | $125,000 | $68,000 | $80,000 |
| 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 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 29 | $6,486,000 | $223,000 | $510,000 | $59,000 | $120,000 |
| Other | 29 | $6,392,000 | $220,000 | $1,400,000 | $77,000 | $254,000 |
| Credit History | 27 | $3,995,000 | $147,000 | $575,000 | $70,000 | $240,000 |
| Collateral | 13 | $2,156,000 | $165,000 | $382,000 | $71,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,812,000 | $234,000 | $690,000 | $81,000 | $452,000 |
| Unverifiable Information | 1 | $600,000 | $600,000 | $600,000 | $175,000 | $175,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cgb Agri Financial Services's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cgb Agri Financial Services's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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