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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 USA
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST FINANCIAL BANK USA |
| Address | 331 N DAKOTA DUNES BLVD
DAKOTA DUNES, SD 57049 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 30 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,502,000 |
| Average Mortgage Loan Amount Applied For | $76,800 |
| Highest Mortgage Loan Amount Applied For | $216,000 |
| Average Applicant Income | $64,200 |
| Highest Applicant Income | $250,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
28 | $2,349,000 |
$83,000 | $216,000 |
$57,000 | $250,000 |
| Refinancing |
2 | $153,000 |
$76,000 | $145,000 |
$53,000 | $85,000 |
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| American Indian or Alaskan Native |
3 | $34,000 |
$11,000 | $15,000 |
$110,000 | $250,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
27 | $2,468,000 |
$91,000 | $216,000 |
$50,000 | $149,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
30 | $2,502,000 |
$83,000 | $216,000 |
$56,000 | $250,000 |
| 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 |
1 | $14,000 |
$14,000 | $14,000 |
$55,000 | $55,000 |
| Application Denied By Financial Institution |
10 | $750,000 |
$75,000 | $166,000 |
$44,000 | $149,000 |
| Application Withdrawn By Applicant |
4 | $234,000 |
$58,000 | $138,000 |
$92,000 | $250,000 |
| File Closed For Incompleteness |
1 | $45,000 |
$45,000 | $45,000 |
$31,000 | $31,000 |
| Loan Originated |
14 | $1,459,000 |
$104,000 | $216,000 |
$57,000 | $105,000 |
| 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 |
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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 USA by:
Metropolitan Area And
County
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