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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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CENTRAL TRUST BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTRAL TRUST BANK |
| Address | 111 EAST MILLET STREET
JEFFERSON CITY, MO 65101 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,242 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $133,449,000 |
| Average Mortgage Loan Amount Applied For | $132,066 |
| Highest Mortgage Loan Amount Applied For | $3,045,000 |
| Average Applicant Income | $104,266 |
| Highest Applicant Income | $1,182,000 |
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| Home Improvement |
155 | $6,674,000 |
$43,000 | $249,000 |
$64,000 | $379,000 |
| Home Purchase |
756 | $87,475,000 |
$115,000 | $651,000 |
$66,000 | $669,000 |
| Refinancing |
367 | $43,802,000 |
$119,000 | $3,045,000 |
$75,000 | $1,182,000 |
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| American Indian or Alaskan Native |
6 | $987,000 |
$164,000 | $280,000 |
$73,000 | $135,000 |
| Asian |
10 | $1,240,000 |
$124,000 | $232,000 |
$76,000 | $300,000 |
| Black or African American |
18 | $1,894,000 |
$105,000 | $417,000 |
$98,000 | $358,000 |
| Hispanic |
25 | $1,312,000 |
$52,000 | $200,000 |
$41,000 | $145,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $164,000 |
$82,000 | $95,000 |
$28,000 | $32,000 |
| Not applicable |
45 | $9,154,000 |
$203,000 | $3,045,000 |
$0 | $27,000 |
| Not Provided |
39 | $3,870,000 |
$99,000 | $325,000 |
$53,000 | $144,000 |
| White |
1,133 | $119,330,000 |
$105,000 | $651,000 |
$72,000 | $1,182,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,246 | $135,616,000 |
$108,000 | $3,045,000 |
$69,000 | $1,182,000 |
| FHA-insured (Federal Housing Administration) |
2 | $106,000 |
$53,000 | $70,000 |
$28,000 | $29,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
30 | $2,229,000 |
$74,000 | $158,000 |
$38,000 | $73,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
142 | $16,983,000 |
$119,000 | $417,000 |
$68,000 | $621,000 |
| Application Denied By Financial Institution |
68 | $5,649,000 |
$83,000 | $325,000 |
$36,000 | $83,000 |
| Application Withdrawn By Applicant |
5 | $502,000 |
$100,000 | $156,000 |
$93,000 | $267,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,013 | $108,755,000 |
$107,000 | $3,045,000 |
$71,000 | $1,182,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
50 | $6,062,000 |
$121,000 | $300,000 |
$58,000 | $130,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
3 | $164,000 |
$54,000 | $69,000 |
$27,000 | $31,000 |
| Credit Application Incomplete |
1 | $100,000 |
$100,000 | $100,000 |
$54,000 | $54,000 |
| Credit History |
41 | $3,325,000 |
$81,000 | $212,000 |
$41,000 | $83,000 |
| Debt-To-Income Ratio |
15 | $1,595,000 |
$106,000 | $212,000 |
$29,000 | $62,000 |
| Employment History |
2 | $116,000 |
$58,000 | $73,000 |
$17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $325,000 |
$325,000 | $325,000 |
$40,000 | $40,000 |
| 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 CENTRAL TRUST BANK by:
Metropolitan Area And
County
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