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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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ANDOVER STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ANDOVER STATE BANK |
| Address | PO BOX 278
ANDOVER, KS 67002 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 73 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,810,000 |
| Average Mortgage Loan Amount Applied For | $58,000 |
| Highest Mortgage Loan Amount Applied For | $443,000 |
| Average Applicant Income | $61,142 |
| Highest Applicant Income | $469,000 |
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| Home Improvement |
22 | $430,000 |
$19,000 | $58,000 |
$88,000 | $426,000 |
| Home Purchase |
33 | $2,962,000 |
$89,000 | $332,000 |
$89,000 | $469,000 |
| Refinancing |
18 | $1,418,000 |
$78,000 | $443,000 |
$65,000 | $170,000 |
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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 |
4 | $557,000 |
$139,000 | $443,000 |
$92,000 | $170,000 |
| Hispanic |
2 | $160,000 |
$80,000 | $140,000 |
$51,000 | $59,000 |
| 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 |
67 | $4,093,000 |
$61,000 | $332,000 |
$84,000 | $469,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
72 | $4,749,000 |
$65,000 | $443,000 |
$83,000 | $469,000 |
| FHA-insured (Federal Housing Administration) |
1 | $61,000 |
$61,000 | $61,000 |
$52,000 | $52,000 |
| 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 |
4 | $840,000 |
$210,000 | $332,000 |
$69,000 | $134,000 |
| Application Denied By Financial Institution |
12 | $1,236,000 |
$103,000 | $443,000 |
$51,000 | $170,000 |
| Application Withdrawn By Applicant |
13 | $662,000 |
$50,000 | $140,000 |
$66,000 | $110,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
44 | $2,072,000 |
$47,000 | $275,000 |
$98,000 | $469,000 |
| 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 |
$34,000 | $34,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $295,000 |
$59,000 | $134,000 |
$45,000 | $63,000 |
| Debt-To-Income Ratio |
5 | $823,000 |
$164,000 | $443,000 |
$61,000 | $170,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ANDOVER STATE BANK by:
Metropolitan Area And
County
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