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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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CITY STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITY STATE BANK |
| Address | 59 N 4TH ST
CENTRAL CITY, IA 52214 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 137 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,142,000 |
| Average Mortgage Loan Amount Applied For | $118,166 |
| Highest Mortgage Loan Amount Applied For | $315,000 |
| Average Applicant Income | $70,166 |
| Highest Applicant Income | $703,000 |
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| Home Improvement |
30 | $632,000 |
$21,000 | $65,000 |
$50,000 | $99,000 |
| Home Purchase |
38 | $4,409,000 |
$116,000 | $305,000 |
$50,000 | $174,000 |
| Refinancing |
70 | $7,106,000 |
$101,000 | $315,000 |
$74,000 | $703,000 |
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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 |
2 | $122,000 |
$61,000 | $100,000 |
$49,000 | $49,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $357,000 |
$178,000 | $315,000 |
$703,000 | $703,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
134 | $11,668,000 |
$87,000 | $313,000 |
$53,000 | $527,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
125 | $10,499,000 |
$83,000 | $313,000 |
$58,000 | $703,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
13 | $1,648,000 |
$126,000 | $315,000 |
$105,000 | $703,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
3 | $363,000 |
$121,000 | $218,000 |
$63,000 | $92,000 |
| Application Denied By Financial Institution |
7 | $604,000 |
$86,000 | $150,000 |
$51,000 | $74,000 |
| Application Withdrawn By Applicant |
2 | $195,000 |
$97,000 | $113,000 |
$42,000 | $52,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
126 | $10,985,000 |
$87,000 | $315,000 |
$63,000 | $703,000 |
| 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 |
4 | $398,000 |
$99,000 | $150,000 |
$62,000 | $74,000 |
| Debt-To-Income Ratio |
3 | $206,000 |
$68,000 | $106,000 |
$37,000 | $40,000 |
| 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 CITY STATE BANK by:
Metropolitan Area And
County
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