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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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21ST CENTURY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
21ST CENTURY BANK |
| Address | 17635 CENTRAL AVE NE
HAM LAKE, MN 55304 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 47 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,482,000 |
| Average Mortgage Loan Amount Applied For | $107,846 |
| Highest Mortgage Loan Amount Applied For | $665,000 |
| Average Applicant Income | $277,384 |
| Highest Applicant Income | $1,527,000 |
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| Home Improvement |
13 | $445,000 |
$34,000 | $100,000 |
$106,000 | $430,000 |
| Home Purchase |
20 | $2,883,000 |
$144,000 | $520,000 |
$178,000 | $1,527,000 |
| Refinancing |
14 | $2,154,000 |
$153,000 | $665,000 |
$75,000 | $145,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
10 | $1,479,000 |
$147,000 | $251,000 |
$0 | $0 |
| Not Provided |
3 | $385,000 |
$128,000 | $327,000 |
$143,000 | $340,000 |
| White |
34 | $3,618,000 |
$106,000 | $665,000 |
$164,000 | $1,527,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
47 | $5,482,000 |
$116,000 | $665,000 |
$128,000 | $1,527,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
2 | $347,000 |
$173,000 | $327,000 |
$45,000 | $53,000 |
| Application Withdrawn By Applicant |
1 | $8,000 |
$8,000 | $8,000 |
$150,000 | $150,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
44 | $5,127,000 |
$116,000 | $665,000 |
$131,000 | $1,527,000 |
| 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 |
1 | $20,000 |
$20,000 | $20,000 |
$53,000 | $53,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $327,000 |
$327,000 | $327,000 |
$37,000 | $37,000 |
| 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 21ST CENTURY BANK by:
Metropolitan Area And
County
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