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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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CHARTER BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CHARTER BANK |
| Address | 1010 W CLAIREMONT AVE
EAU CLAIRE, WI 54701 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 246 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $25,292,000 |
| Average Mortgage Loan Amount Applied For | $129,375 |
| Highest Mortgage Loan Amount Applied For | $512,000 |
| Average Applicant Income | $129,187 |
| Highest Applicant Income | $1,208,000 |
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| Home Improvement |
22 | $1,005,000 |
$45,000 | $165,000 |
$57,000 | $180,000 |
| Home Purchase |
123 | $14,786,000 |
$120,000 | $496,000 |
$76,000 | $1,208,000 |
| Refinancing |
101 | $9,501,000 |
$94,000 | $512,000 |
$80,000 | $350,000 |
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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 |
1 | $204,000 |
$204,000 | $204,000 |
$53,000 | $53,000 |
| Hispanic |
1 | $80,000 |
$80,000 | $80,000 |
$48,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
41 | $3,827,000 |
$93,000 | $264,000 |
$0 | $0 |
| Not Provided |
16 | $1,777,000 |
$111,000 | $393,000 |
$96,000 | $241,000 |
| White |
187 | $19,404,000 |
$103,000 | $512,000 |
$91,000 | $1,208,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
246 | $25,292,000 |
$102,000 | $512,000 |
$76,000 | $1,208,000 |
| 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 |
15 | $1,796,000 |
$119,000 | $285,000 |
$105,000 | $216,000 |
| Application Denied By Financial Institution |
25 | $3,475,000 |
$139,000 | $512,000 |
$54,000 | $186,000 |
| Application Withdrawn By Applicant |
7 | $1,116,000 |
$159,000 | $320,000 |
$95,000 | $241,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
199 | $18,905,000 |
$95,000 | $496,000 |
$76,000 | $1,208,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $1,207,000 |
$134,000 | $285,000 |
$50,000 | $81,000 |
| Debt-To-Income Ratio |
11 | $1,455,000 |
$132,000 | $320,000 |
$51,000 | $111,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $141,000 |
$47,000 | $71,000 |
$32,000 | $49,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $512,000 |
$512,000 | $512,000 |
$186,000 | $186,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CHARTER BANK by:
Metropolitan Area And
County
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