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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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BLACKHAWK STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
BLACKHAWK STATE BANK |
| Address | 400 BROAD ST
BELOIT, WI 53511 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 912 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $94,569,000 |
| Average Mortgage Loan Amount Applied For | $196,464 |
| Highest Mortgage Loan Amount Applied For | $1,473,000 |
| Average Applicant Income | $107,464 |
| Highest Applicant Income | $1,488,000 |
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| Home Improvement |
132 | $2,730,000 |
$20,000 | $84,000 |
$55,000 | $130,000 |
| Home Purchase |
481 | $57,808,000 |
$120,000 | $720,000 |
$62,000 | $786,000 |
| Refinancing |
390 | $44,420,000 |
$113,000 | $1,473,000 |
$84,000 | $1,488,000 |
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| American Indian or Alaskan Native |
5 | $280,000 |
$56,000 | $200,000 |
$40,000 | $49,000 |
| Asian |
13 | $1,541,000 |
$118,000 | $263,000 |
$75,000 | $402,000 |
| Black or African American |
24 | $1,739,000 |
$72,000 | $170,000 |
$46,000 | $100,000 |
| Hispanic |
192 | $14,415,000 |
$75,000 | $350,000 |
$44,000 | $305,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $123,000 |
$123,000 | $123,000 |
$76,000 | $76,000 |
| Not applicable |
4 | $2,903,000 |
$725,000 | $1,473,000 |
$753,000 | $1,488,000 |
| Not Provided |
31 | $2,277,000 |
$73,000 | $352,000 |
$72,000 | $286,000 |
| White |
733 | $81,680,000 |
$111,000 | $1,000,000 |
$73,000 | $1,453,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
931 | $96,662,000 |
$103,000 | $1,473,000 |
$71,000 | $1,488,000 |
| FHA-insured (Federal Housing Administration) |
69 | $7,891,000 |
$114,000 | $201,000 |
$48,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $405,000 |
$135,000 | $162,000 |
$69,000 | $89,000 |
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| Application Approved But Not Accepted |
40 | $3,621,000 |
$90,000 | $352,000 |
$58,000 | $134,000 |
| Application Denied By Financial Institution |
178 | $11,767,000 |
$66,000 | $350,000 |
$48,000 | $305,000 |
| Application Withdrawn By Applicant |
47 | $6,415,000 |
$136,000 | $720,000 |
$79,000 | $786,000 |
| File Closed For Incompleteness |
3 | $65,000 |
$21,000 | $40,000 |
$77,000 | $115,000 |
| Loan Originated |
645 | $72,789,000 |
$112,000 | $1,473,000 |
$79,000 | $1,488,000 |
| 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 |
90 | $10,301,000 |
$114,000 | $288,000 |
$46,000 | $108,000 |
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| Collateral |
14 | $1,211,000 |
$86,000 | $341,000 |
$71,000 | $305,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
110 | $6,348,000 |
$57,000 | $225,000 |
$45,000 | $130,000 |
| Debt-To-Income Ratio |
30 | $3,049,000 |
$101,000 | $350,000 |
$41,000 | $112,000 |
| Employment History |
1 | $183,000 |
$183,000 | $183,000 |
$86,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
5 | $440,000 |
$88,000 | $154,000 |
$54,000 | $89,000 |
| Unverifiable Information |
13 | $488,000 |
$37,000 | $98,000 |
$68,000 | $127,000 |
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Mortgage Loan App Totals for BLACKHAWK STATE BANK by:
Metropolitan Area And
County
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