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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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CELTIC BANK CORP
Mortgage Loans and Application Details
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| Mortgage Company Name |
CELTIC BANK CORP |
| Address | 340 EAST 400 SOUTH
SALT LAKE CITY, UT 84111 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 67 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,224,000 |
| Average Mortgage Loan Amount Applied For | $147,100 |
| Highest Mortgage Loan Amount Applied For | $1,450,000 |
| Average Applicant Income | $76,200 |
| Highest Applicant Income | $600,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
67 | $12,581,000 |
$187,000 | $1,450,000 |
$81,000 | $600,000 |
| Refinancing |
27 | $4,314,000 |
$159,000 | $383,000 |
$75,000 | $240,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $128,000 |
$128,000 | $128,000 |
$22,000 | $22,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $358,000 |
$179,000 | $201,000 |
$62,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $173,000 |
$173,000 | $173,000 |
$30,000 | $30,000 |
| White |
90 | $16,236,000 |
$180,000 | $1,450,000 |
$81,000 | $600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
52 | $10,597,000 |
$203,000 | $1,450,000 |
$94,000 | $600,000 |
| FHA-insured (Federal Housing Administration) |
42 | $6,298,000 |
$149,000 | $236,000 |
$61,000 | $140,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
10 | $1,413,000 |
$141,000 | $220,000 |
$55,000 | $135,000 |
| Application Withdrawn By Applicant |
19 | $3,503,000 |
$184,000 | $1,075,000 |
$90,000 | $416,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
65 | $11,979,000 |
$184,000 | $1,450,000 |
$80,000 | $600,000 |
| 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 | $109,000 |
$109,000 | $109,000 |
$135,000 | $135,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $294,000 |
$147,000 | $200,000 |
$67,000 | $71,000 |
| Debt-To-Income Ratio |
5 | $702,000 |
$140,000 | $177,000 |
$43,000 | $63,000 |
| Employment History |
2 | $308,000 |
$154,000 | $220,000 |
$35,000 | $39,000 |
| 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 CELTIC BANK CORP by:
Metropolitan Area And
County
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