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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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1ST FINANCIAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST FINANCIAL BANK |
| Address | 11120 W 135 ST
OVERLAND PARK, KS 66221 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 180 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,555,000 |
| Average Mortgage Loan Amount Applied For | $119,100 |
| Highest Mortgage Loan Amount Applied For | $284,000 |
| Average Applicant Income | $82,400 |
| Highest Applicant Income | $516,000 |
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| Home Improvement |
3 | $19,000 |
$6,000 | $10,000 |
$60,000 | $70,000 |
| Home Purchase |
161 | $14,648,000 |
$90,000 | $258,000 |
$71,000 | $516,000 |
| Refinancing |
19 | $2,268,000 |
$119,000 | $284,000 |
$86,000 | $393,000 |
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| American Indian or Alaskan Native |
1 | $284,000 |
$284,000 | $284,000 |
$312,000 | $312,000 |
| Asian |
5 | $897,000 |
$179,000 | $211,000 |
$67,000 | $71,000 |
| Black or African American |
13 | $842,000 |
$64,000 | $100,000 |
$48,000 | $109,000 |
| Hispanic |
4 | $248,000 |
$62,000 | $90,000 |
$85,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $139,000 |
$69,000 | $75,000 |
$172,000 | $228,000 |
| Not applicable |
51 | $4,994,000 |
$97,000 | $220,000 |
$25,000 | $266,000 |
| Not Provided |
4 | $431,000 |
$107,000 | $200,000 |
$67,000 | $114,000 |
| White |
103 | $9,100,000 |
$88,000 | $258,000 |
$94,000 | $516,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
183 | $16,935,000 |
$92,000 | $284,000 |
$72,000 | $516,000 |
| 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 |
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| Application Approved But Not Accepted |
2 | $289,000 |
$144,000 | $221,000 |
$32,000 | $64,000 |
| Application Denied By Financial Institution |
6 | $552,000 |
$92,000 | $184,000 |
$75,000 | $276,000 |
| Application Withdrawn By Applicant |
21 | $2,675,000 |
$127,000 | $284,000 |
$130,000 | $516,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
129 | $11,273,000 |
$87,000 | $245,000 |
$57,000 | $281,000 |
| Loan Purchased By The Institution |
22 | $1,766,000 |
$80,000 | $200,000 |
$108,000 | $314,000 |
| Preapproval Approved but not Accepted |
2 | $200,000 |
$100,000 | $100,000 |
$61,000 | $92,000 |
| Preapproval Denied by Financial Institution |
1 | $180,000 |
$180,000 | $180,000 |
$52,000 | $52,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
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Mortgage Loan App Totals for 1ST FINANCIAL BANK by:
Metropolitan Area And
County
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