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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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CLAY COUNTY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CLAY COUNTY BANK |
| Address | 150 MAIN STREET P O BOX 239
CLAY, WV 25043-0239 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 143 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,223,000 |
| Average Mortgage Loan Amount Applied For | $47,125 |
| Highest Mortgage Loan Amount Applied For | $289,000 |
| Average Applicant Income | $46,500 |
| Highest Applicant Income | $186,000 |
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| Home Improvement |
20 | $776,000 |
$38,000 | $132,000 |
$48,000 | $168,000 |
| Home Purchase |
60 | $2,710,000 |
$45,000 | $200,000 |
$47,000 | $186,000 |
| Refinancing |
63 | $3,737,000 |
$59,000 | $289,000 |
$54,000 | $140,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
143 | $7,223,000 |
$50,000 | $289,000 |
$50,000 | $186,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
143 | $7,223,000 |
$50,000 | $289,000 |
$50,000 | $186,000 |
| 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 |
3 | $185,000 |
$61,000 | $65,000 |
$53,000 | $79,000 |
| Application Denied By Financial Institution |
15 | $904,000 |
$60,000 | $200,000 |
$53,000 | $168,000 |
| Application Withdrawn By Applicant |
5 | $333,000 |
$66,000 | $150,000 |
$78,000 | $186,000 |
| File Closed For Incompleteness |
1 | $37,000 |
$37,000 | $37,000 |
$36,000 | $36,000 |
| Loan Originated |
119 | $5,764,000 |
$48,000 | $289,000 |
$49,000 | $140,000 |
| 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 | $70,000 |
$70,000 | $70,000 |
$41,000 | $41,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $484,000 |
$40,000 | $121,000 |
$55,000 | $168,000 |
| Debt-To-Income Ratio |
2 | $350,000 |
$175,000 | $200,000 |
$46,000 | $66,000 |
| 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 CLAY COUNTY BANK by:
Metropolitan Area And
County
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