|
| Location |
Adair County OK
• Apply Here |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Applications | 900 |
| Total Amount of All Mortgage Loans Applied For | $74,229,000 |
| Average Mortgage Loan Amount Applied For | $82,000 |
| Highest Mortgage Loan Amount Applied For | $1,212,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $590,000 |
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|
|
| Home Improvement |
116 | $2,977,000 |
$25,000 | $160,000 |
$43,000 | $137,000 |
| Home Purchase |
302 | $23,062,000 |
$76,000 | $315,000 |
$45,000 | $590,000 |
| Refinancing |
482 | $48,190,000 |
$99,000 | $1,212,000 |
$50,000 | $468,000 |
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|
| American Indian or Alaskan Native |
225 | $16,416,000 |
$72,000 | $1,212,000 |
$45,000 | $468,000 |
| Asian |
7 | $2,121,000 |
$303,000 | $1,000,000 |
$99,000 | $352,000 |
| Black or African American |
5 | $444,000 |
$88,000 | $226,000 |
$34,000 | $62,000 |
| Hispanic |
18 | $1,341,000 |
$74,000 | $136,000 |
$33,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $494,000 |
$123,000 | $260,000 |
$50,000 | $70,000 |
| Not applicable |
32 | $3,042,000 |
$95,000 | $247,000 |
$17,000 | $224,000 |
| Not Provided |
88 | $7,823,000 |
$88,000 | $360,000 |
$50,000 | $213,000 |
| White |
521 | $42,548,000 |
$81,000 | $740,000 |
$50,000 | $590,000 |
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|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
831 | $68,812,000 |
$82,000 | $1,212,000 |
$49,000 | $590,000 |
| FHA-insured (Federal Housing Administration) |
45 | $3,519,000 |
$78,000 | $183,000 |
$38,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
22 | $1,669,000 |
$75,000 | $136,000 |
$27,000 | $51,000 |
| VA-guaranteed (Veterans Administration) |
2 | $229,000 |
$114,000 | $133,000 |
$65,000 | $78,000 |
|
|
| Application Approved But Not Accepted |
48 | $4,416,000 |
$92,000 | $300,000 |
$52,000 | $207,000 |
| Application Denied By Financial Institution |
330 | $25,274,000 |
$76,000 | $740,000 |
$47,000 | $590,000 |
| Application Withdrawn By Applicant |
88 | $7,555,000 |
$85,000 | $360,000 |
$55,000 | $180,000 |
| File Closed For Incompleteness |
18 | $1,918,000 |
$106,000 | $265,000 |
$45,000 | $84,000 |
| Loan Originated |
342 | $28,318,000 |
$82,000 | $1,212,000 |
$50,000 | $468,000 |
| Loan Purchased By The Institution |
74 | $6,748,000 |
$91,000 | $247,000 |
$30,000 | $114,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
|
| Collateral |
17 | $2,895,000 |
$170,000 | $740,000 |
$93,000 | $300,000 |
| Credit Application Incomplete |
19 | $1,795,000 |
$94,000 | $219,000 |
$75,000 | $246,000 |
| Credit History |
53 | $3,907,000 |
$73,000 | $226,000 |
$53,000 | $590,000 |
| Debt-To-Income Ratio |
16 | $1,392,000 |
$87,000 | $140,000 |
$35,000 | $70,000 |
| Employment History |
1 | $102,000 |
$102,000 | $102,000 |
$31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $170,000 |
$56,000 | $79,000 |
$44,000 | $83,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
14 | $1,426,000 |
$101,000 | $232,000 |
$46,000 | $100,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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