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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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BELGRADE STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
BELGRADE STATE BANK |
| Address | P.O. BOX 1
BELGRADE, MO 63622 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 256 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $19,354,000 |
| Average Mortgage Loan Amount Applied For | $87,100 |
| Highest Mortgage Loan Amount Applied For | $564,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $280,000 |
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| Home Improvement |
52 | $1,866,000 |
$35,000 | $161,000 |
$38,000 | $85,000 |
| Home Purchase |
119 | $10,910,000 |
$91,000 | $400,000 |
$51,000 | $280,000 |
| Refinancing |
85 | $6,578,000 |
$77,000 | $564,000 |
$46,000 | $144,000 |
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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 |
2 | $116,000 |
$58,000 | $72,000 |
$37,000 | $52,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $657,000 |
$82,000 | $135,000 |
$8,000 | $68,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
246 | $18,581,000 |
$75,000 | $564,000 |
$48,000 | $280,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
256 | $19,354,000 |
$75,000 | $564,000 |
$47,000 | $280,000 |
| 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 |
43 | $2,035,000 |
$47,000 | $205,000 |
$37,000 | $144,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
213 | $17,319,000 |
$81,000 | $564,000 |
$49,000 | $280,000 |
| 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 |
$92,000 | $92,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
36 | $1,637,000 |
$45,000 | $132,000 |
$35,000 | $144,000 |
| Debt-To-Income Ratio |
3 | $273,000 |
$91,000 | $205,000 |
$28,000 | $54,000 |
| Employment History |
2 | $65,000 |
$32,000 | $40,000 |
$64,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $40,000 |
$40,000 | $40,000 |
$44,000 | $44,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BELGRADE STATE BANK by:
Metropolitan Area And
County
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