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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 SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CLAY COUNTY SAVINGS BANK |
| Address | 1178 W KANSAS
LIBERTY, MO 64068 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 113 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,748,000 |
| Average Mortgage Loan Amount Applied For | $199,714 |
| Highest Mortgage Loan Amount Applied For | $700,000 |
| Average Applicant Income | $70,142 |
| Highest Applicant Income | $313,000 |
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| Home Improvement |
16 | $612,000 |
$38,000 | $111,000 |
$59,000 | $138,000 |
| Home Purchase |
41 | $7,326,000 |
$178,000 | $700,000 |
$60,000 | $313,000 |
| Refinancing |
56 | $6,810,000 |
$121,000 | $645,000 |
$47,000 | $149,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $650,000 |
$216,000 | $250,000 |
$67,000 | $91,000 |
| Black or African American |
2 | $1,220,000 |
$610,000 | $645,000 |
$130,000 | $140,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
22 | $2,410,000 |
$109,000 | $560,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
86 | $10,468,000 |
$121,000 | $700,000 |
$65,000 | $313,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
113 | $14,748,000 |
$130,000 | $700,000 |
$53,000 | $313,000 |
| 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 |
6 | $1,958,000 |
$326,000 | $700,000 |
$90,000 | $313,000 |
| Application Denied By Financial Institution |
10 | $1,780,000 |
$178,000 | $560,000 |
$53,000 | $123,000 |
| Application Withdrawn By Applicant |
5 | $359,000 |
$71,000 | $95,000 |
$47,000 | $82,000 |
| File Closed For Incompleteness |
2 | $498,000 |
$249,000 | $340,000 |
$60,000 | $75,000 |
| Loan Originated |
90 | $10,153,000 |
$112,000 | $575,000 |
$51,000 | $235,000 |
| 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 | $103,000 |
$103,000 | $103,000 |
$65,000 | $65,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $718,000 |
$239,000 | $560,000 |
$47,000 | $123,000 |
| Debt-To-Income Ratio |
4 | $606,000 |
$151,000 | $250,000 |
$45,000 | $91,000 |
| Employment History |
1 | $250,000 |
$250,000 | $250,000 |
$76,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $103,000 |
$103,000 | $103,000 |
$68,000 | $68,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CLAY COUNTY SAVINGS BANK by:
Metropolitan Area And
County
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