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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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BLUE RIDGE BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
BLUE RIDGE BANK & TRUST CO |
| Address | 4200 LITTLE BLUE PARKWAY
INDEPENDENCE, MO 64057 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 500 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $62,064,000 |
| Average Mortgage Loan Amount Applied For | $103,322 |
| Highest Mortgage Loan Amount Applied For | $8,000,000 |
| Average Applicant Income | $81,645 |
| Highest Applicant Income | $550,000 |
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| Home Improvement |
77 | $1,281,000 |
$16,000 | $257,000 |
$50,000 | $212,000 |
| Home Purchase |
239 | $34,306,000 |
$143,000 | $8,000,000 |
$61,000 | $550,000 |
| Refinancing |
184 | $26,477,000 |
$143,000 | $417,000 |
$63,000 | $231,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
10 | $562,000 |
$56,000 | $133,000 |
$103,000 | $133,000 |
| Black or African American |
6 | $669,000 |
$111,000 | $273,000 |
$94,000 | $224,000 |
| Hispanic |
15 | $760,000 |
$50,000 | $192,000 |
$60,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $204,000 |
$204,000 | $204,000 |
$45,000 | $45,000 |
| Not applicable |
62 | $16,732,000 |
$269,000 | $8,000,000 |
$5,000 | $231,000 |
| Not Provided |
25 | $2,233,000 |
$89,000 | $880,000 |
$46,000 | $302,000 |
| White |
381 | $40,904,000 |
$107,000 | $417,000 |
$68,000 | $550,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
500 | $62,064,000 |
$124,000 | $8,000,000 |
$60,000 | $550,000 |
| 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 |
38 | $4,855,000 |
$127,000 | $298,000 |
$64,000 | $171,000 |
| Application Denied By Financial Institution |
58 | $13,375,000 |
$230,000 | $8,000,000 |
$56,000 | $302,000 |
| Application Withdrawn By Applicant |
6 | $319,000 |
$53,000 | $107,000 |
$64,000 | $131,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
385 | $43,435,000 |
$112,000 | $1,065,000 |
$60,000 | $550,000 |
| Loan Purchased By The Institution |
13 | $80,000 |
$6,000 | $8,000 |
$79,000 | $125,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 BLUE RIDGE BANK & TRUST CO by:
Metropolitan Area And
County
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