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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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BANKERS TRUST COMPANY, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANKERS TRUST COMPANY, N.A. |
| Address | 453 7TH STREET
DES MOINES, IA 50309 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 768 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $97,842,000 |
| Average Mortgage Loan Amount Applied For | $166,789 |
| Highest Mortgage Loan Amount Applied For | $1,520,000 |
| Average Applicant Income | $172,736 |
| Highest Applicant Income | $850,000 |
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| Home Improvement |
129 | $3,721,000 |
$28,000 | $375,000 |
$67,000 | $355,000 |
| Home Purchase |
538 | $80,046,000 |
$148,000 | $1,520,000 |
$77,000 | $833,000 |
| Refinancing |
118 | $16,139,000 |
$136,000 | $1,170,000 |
$102,000 | $850,000 |
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| American Indian or Alaskan Native |
2 | $22,000 |
$11,000 | $18,000 |
$102,000 | $162,000 |
| Asian |
27 | $2,701,000 |
$100,000 | $276,000 |
$57,000 | $305,000 |
| Black or African American |
20 | $2,105,000 |
$105,000 | $478,000 |
$57,000 | $274,000 |
| Hispanic |
64 | $6,082,000 |
$95,000 | $220,000 |
$35,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $114,000 |
$114,000 | $114,000 |
$36,000 | $36,000 |
| Not applicable |
17 | $2,731,000 |
$160,000 | $1,170,000 |
$0 | $0 |
| Not Provided |
19 | $2,350,000 |
$123,000 | $309,000 |
$72,000 | $246,000 |
| White |
635 | $83,801,000 |
$131,000 | $1,520,000 |
$87,000 | $850,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
784 | $99,783,000 |
$127,000 | $1,520,000 |
$79,000 | $850,000 |
| FHA-insured (Federal Housing Administration) |
1 | $123,000 |
$123,000 | $123,000 |
$144,000 | $144,000 |
| 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 |
27 | $2,809,000 |
$104,000 | $285,000 |
$91,000 | $381,000 |
| Application Denied By Financial Institution |
69 | $4,675,000 |
$67,000 | $580,000 |
$50,000 | $215,000 |
| Application Withdrawn By Applicant |
17 | $1,985,000 |
$116,000 | $250,000 |
$68,000 | $296,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
657 | $88,533,000 |
$134,000 | $1,520,000 |
$82,000 | $850,000 |
| 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 |
15 | $1,904,000 |
$126,000 | $309,000 |
$47,000 | $129,000 |
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| Collateral |
8 | $349,000 |
$43,000 | $108,000 |
$72,000 | $149,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
29 | $2,350,000 |
$81,000 | $309,000 |
$47,000 | $129,000 |
| Debt-To-Income Ratio |
40 | $2,711,000 |
$67,000 | $478,000 |
$40,000 | $173,000 |
| Employment History |
1 | $167,000 |
$167,000 | $167,000 |
$65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $580,000 |
$580,000 | $580,000 |
$215,000 | $215,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $305,000 |
$101,000 | $173,000 |
$78,000 | $108,000 |
| Unverifiable Information |
2 | $117,000 |
$58,000 | $67,000 |
$62,000 | $108,000 |
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Mortgage Loan App Totals for BANKERS TRUST COMPANY, N.A. by:
Metropolitan Area And
County
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