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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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BATH STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
BATH STATE BANK |
| Address | 3095 BATH ROAD, PO BOX 10
BATH, IN 47010 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 137 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,156,000 |
| Average Mortgage Loan Amount Applied For | $87,000 |
| Highest Mortgage Loan Amount Applied For | $474,000 |
| Average Applicant Income | $72,846 |
| Highest Applicant Income | $283,000 |
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| Home Improvement |
10 | $373,000 |
$37,000 | $66,000 |
$78,000 | $138,000 |
| Home Purchase |
42 | $3,616,000 |
$86,000 | $251,000 |
$47,000 | $105,000 |
| Refinancing |
85 | $7,167,000 |
$84,000 | $474,000 |
$69,000 | $283,000 |
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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 |
2 | $213,000 |
$106,000 | $172,000 |
$52,000 | $105,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
135 | $10,943,000 |
$81,000 | $474,000 |
$63,000 | $283,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
136 | $11,023,000 |
$81,000 | $474,000 |
$63,000 | $283,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $133,000 |
$133,000 | $133,000 |
$58,000 | $58,000 |
| 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 |
14 | $1,224,000 |
$87,000 | $154,000 |
$46,000 | $102,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
123 | $9,932,000 |
$80,000 | $474,000 |
$65,000 | $283,000 |
| 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 |
2 | $254,000 |
$127,000 | $154,000 |
$42,000 | $56,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $283,000 |
$70,000 | $120,000 |
$49,000 | $69,000 |
| Debt-To-Income Ratio |
6 | $495,000 |
$82,000 | $140,000 |
$44,000 | $102,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $106,000 |
$106,000 | $106,000 |
$42,000 | $42,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $86,000 |
$86,000 | $86,000 |
$57,000 | $57,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BATH STATE BANK by:
Metropolitan Area And
County
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