General compliance by 1917.ġ808- A disaster destroyed some records. *Statewide registration for births and deaths started in 1911. Known Beginning Dates for Major County Records This information should be taken as a guide and should be verified by contacting the county and/or the state government agency. Information for this chart was taken from various sources, often containing conflicting dates. County Courthouse įloyd County Website Floyd County, Kentucky Record Dates The county is located in the eastern area of the state. 2.10 Ethnic, Political, and Religious GroupsĬounty Information Description įloyd County was named for John Floyd.2.3 Business, Commerce, and Occupations.1.3 Floyd County, Kentucky Record Dates.Only 4 percent of builders reported that the availability of credit for single-family construction had gotten worse, compared to 29 percent who said it had gotten better. For land development, 11 percent reported worsening credit conditions, compared to 24 percent who said it improved. In the fourth quarter of 2019, 9 percent of NAHB developers said availability of credit for land acquisition had gotten worse, compared to 32 percent who said it had gotten better. The NAHB net tightening index distills information from underlying questions that ask builders and developers if availability of credit has gotten better, worse, or stayed the same since the previous quarter. A similar index from the Federal Reserve’s survey of senior loan officers still showed net tightening, although to a lesser extent than previously, going from +16.2 in the third quarter of 2019 to +7.4 in the fourth quarter. The index is constructed so that negative numbers indicate easing of credit, with larger (in absolute value) negative numbers indicating more widespread easing. The net tightening index derived from the survey was -20.3 in the fourth quarter of 2019, compared to -10.3 in the third quarter. Average initial points increased from 0.84 to 1.10 percent on loans for land acquisition, and from 0.71 to 1.10 percent on loans for land development.Īnswers to other questions on the NAHB survey indicate that availability of credit for AD&C improved. In the other two cases, the trend was in the opposite direction. On loans to finance single-family construction, initial points on average declined in the fourth quarter-from 0.92 to 0.82 percent on loans for speculative single-family construction, and from 0.74 to 0.64 percent on pre-sold loans. Given the relatively short duration of the loans (on average less than three years), the points charged on the initial commitment can be more significant than the rate paid on the amount eventually drawn. This marks the second quarter in a row of declining rates on all four categories of loans listed in the AD&C survey. The average interest rate declined from 6.39 to 6.13 percent on loans for land acquisition, from 6.31 to 5.94 percent on loans for land development, from 5.99 to 5.63 percent on loans for speculative single-family construction, and from 5.63 to 5.38 percent on loans for pre-sold single-family construction. In the fourth-quarter of 2019, builders and developers reported declining interest rates on all types of loans covered in NAHB’s quarterly survey on acquisition, development and construction (AD&C) financing (Exhibit 8). Rates on Construction Loans Continue to Drift Downward
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