Deposit Bank & Trust Company Mortgage Lending & HMDA Data, 2007
In 2007, Deposit Bank & Trust Company of Greensburg, KY reported 205 mortgage applications totaling $11.6 million, up 4% from 2006. The average application was for $56,731, and applicants reported an average income of $46,019. 83% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (12), Lexington-Fayette, KY (3) and Elizabethtown, KY (2) (applications in parentheses).
| Mortgage Company & Address | Deposit Bank & Trust Company 102-108 N Public Square Greensburg, KY 42743 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 205 |
| Total Mortgage Loan Application Amount | $11,630,000 |
| Average Mortgage Loan Application Amount | $56,731 |
| Highest Mortgage Loan Application Amount | $556,000 |
| Average Applicant Income | $46,019 |
| Highest Applicant Income | $370,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Deposit Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Deposit Bank & Trust Company in 2007
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 99 | $6,143,000 | $62,000 | $400,000 | $48,000 | $370,000 |
| Refinancing | 60 | $4,330,000 | $72,000 | $556,000 | $42,000 | $131,000 |
| Home Improvement | 46 | $1,157,000 | $25,000 | $132,000 | $47,000 | $300,000 |
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 | 194 | $9,714,000 | $50,000 | $400,000 | $48,000 | $370,000 |
| Not applicable | 7 | $1,612,000 | $230,000 | $556,000 | $5,000 | $35,000 |
| Not Provided | 1 | $163,000 | $163,000 | $163,000 | $140,000 | $140,000 |
| American Indian or Alaskan Native | 1 | $44,000 | $44,000 | $44,000 | $32,000 | $32,000 |
| Asian | 1 | $94,000 | $94,000 | $94,000 | $0 | $0 |
| Black or African American | 1 | $3,000 | $3,000 | $3,000 | $22,000 | $22,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 205 | $11,630,000 | $56,000 | $556,000 | $46,000 | $370,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 170 | $9,732,000 | $57,000 | $556,000 | $50,000 | $370,000 |
| Application Denied By Financial Institution | 23 | $1,313,000 | $57,000 | $153,000 | $24,000 | $69,000 |
| Application Withdrawn By Applicant | 10 | $559,000 | $55,000 | $163,000 | $34,000 | $140,000 |
| Application Approved But Not Accepted | 2 | $26,000 | $13,000 | $22,000 | $18,000 | $24,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $1,085,000 | $54,000 | $153,000 | $21,000 | $63,000 |
| Debt-To-Income Ratio | 3 | $228,000 | $76,000 | $103,000 | $46,000 | $69,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Deposit Bank & Trust Company's 2007 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 Deposit Bank & Trust Company'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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