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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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AMERICAN BANK CENTER FIRST
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN BANK CENTER FIRST |
| Address | 320 N FOURTH
BISMARCK, ND 58501 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 208 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,421,000 |
| Average Mortgage Loan Amount Applied For | $213,142 |
| Highest Mortgage Loan Amount Applied For | $1,148,000 |
| Average Applicant Income | $171,714 |
| Highest Applicant Income | $633,000 |
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| Home Improvement |
36 | $1,991,000 |
$55,000 | $300,000 |
$115,000 | $633,000 |
| Home Purchase |
119 | $17,048,000 |
$143,000 | $1,148,000 |
$95,000 | $601,000 |
| Refinancing |
58 | $5,538,000 |
$95,000 | $330,000 |
$78,000 | $313,000 |
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| American Indian or Alaskan Native |
2 | $151,000 |
$75,000 | $126,000 |
$131,000 | $194,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $131,000 |
$131,000 | $131,000 |
$43,000 | $43,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $1,667,000 |
$416,000 | $725,000 |
$0 | $0 |
| Not Provided |
2 | $99,000 |
$49,000 | $77,000 |
$64,000 | $67,000 |
| White |
204 | $22,529,000 |
$110,000 | $1,148,000 |
$96,000 | $633,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
213 | $24,577,000 |
$115,000 | $1,148,000 |
$94,000 | $633,000 |
| 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 |
8 | $599,000 |
$74,000 | $242,000 |
$35,000 | $88,000 |
| Application Withdrawn By Applicant |
3 | $1,501,000 |
$500,000 | $1,148,000 |
$319,000 | $523,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
202 | $22,477,000 |
$111,000 | $725,000 |
$93,000 | $633,000 |
| 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 |
3 | $38,000 |
$12,000 | $22,000 |
$40,000 | $61,000 |
| Debt-To-Income Ratio |
3 | $397,000 |
$132,000 | $242,000 |
$51,000 | $88,000 |
| 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 |
2 | $164,000 |
$82,000 | $156,000 |
$6,000 | $12,000 |
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Mortgage Loan App Totals for AMERICAN BANK CENTER FIRST by:
Metropolitan Area And
County
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