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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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B & L BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
B & L BANK |
| Address | 205 SOUTH 13TH ST.
LEXINGTON, MO 64067 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 122 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,713,000 |
| Average Mortgage Loan Amount Applied For | $131,500 |
| Highest Mortgage Loan Amount Applied For | $560,000 |
| Average Applicant Income | $65,500 |
| Highest Applicant Income | $233,000 |
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| Home Improvement |
6 | $280,000 |
$46,000 | $150,000 |
$67,000 | $233,000 |
| Home Purchase |
57 | $5,355,000 |
$93,000 | $330,000 |
$59,000 | $193,000 |
| Refinancing |
64 | $4,372,000 |
$68,000 | $560,000 |
$53,000 | $155,000 |
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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 |
5 | $223,000 |
$44,000 | $51,000 |
$53,000 | $96,000 |
| Hispanic |
3 | $221,000 |
$73,000 | $178,000 |
$52,000 | $72,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $389,000 |
$77,000 | $173,000 |
$16,000 | $54,000 |
| Not Provided |
14 | $1,194,000 |
$85,000 | $320,000 |
$52,000 | $193,000 |
| White |
100 | $7,980,000 |
$79,000 | $560,000 |
$59,000 | $233,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
127 | $10,007,000 |
$78,000 | $560,000 |
$56,000 | $233,000 |
| 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 |
3 | $325,000 |
$108,000 | $178,000 |
$43,000 | $67,000 |
| Application Withdrawn By Applicant |
1 | $30,000 |
$30,000 | $30,000 |
$54,000 | $54,000 |
| File Closed For Incompleteness |
1 | $320,000 |
$320,000 | $320,000 |
$193,000 | $193,000 |
| Loan Originated |
122 | $9,332,000 |
$76,000 | $560,000 |
$55,000 | $233,000 |
| 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 |
2 | $323,000 |
$161,000 | $178,000 |
$61,000 | $67,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $2,000 |
$2,000 | $2,000 |
$7,000 | $7,000 |
| 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 B & L BANK by:
Metropolitan Area And
County
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