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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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COMMERCE BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMERCE BANK & TRUST |
| Address | 3035 S TOPEKA BLVD
TOPEKA, KS 66611 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,016 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $81,211,000 |
| Average Mortgage Loan Amount Applied For | $64,654 |
| Highest Mortgage Loan Amount Applied For | $4,100,000 |
| Average Applicant Income | $12,509 |
| Highest Applicant Income | $448,000 |
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| Home Improvement |
58 | $1,652,000 |
$28,000 | $200,000 |
$49,000 | $126,000 |
| Home Purchase |
837 | $50,871,000 |
$60,000 | $487,000 |
$37,000 | $376,000 |
| Refinancing |
274 | $37,500,000 |
$136,000 | $4,100,000 |
$59,000 | $448,000 |
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| American Indian or Alaskan Native |
11 | $623,000 |
$56,000 | $172,000 |
$40,000 | $122,000 |
| Asian |
6 | $441,000 |
$73,000 | $133,000 |
$42,000 | $60,000 |
| Black or African American |
11 | $1,024,000 |
$93,000 | $204,000 |
$64,000 | $96,000 |
| Hispanic |
49 | $2,451,000 |
$50,000 | $150,000 |
$35,000 | $87,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
271 | $27,358,000 |
$100,000 | $4,100,000 |
$0 | $73,000 |
| Not Provided |
211 | $15,613,000 |
$73,000 | $417,000 |
$67,000 | $448,000 |
| White |
610 | $42,513,000 |
$69,000 | $1,967,000 |
$53,000 | $329,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,169 | $90,023,000 |
$77,000 | $4,100,000 |
$42,000 | $448,000 |
| 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 |
121 | $9,060,000 |
$74,000 | $500,000 |
$51,000 | $279,000 |
| Application Denied By Financial Institution |
222 | $11,280,000 |
$50,000 | $250,000 |
$41,000 | $236,000 |
| Application Withdrawn By Applicant |
22 | $1,611,000 |
$73,000 | $175,000 |
$57,000 | $102,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
574 | $55,137,000 |
$96,000 | $4,100,000 |
$58,000 | $448,000 |
| Loan Purchased By The Institution |
230 | $12,935,000 |
$56,000 | $220,000 |
$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 |
5 | $226,000 |
$45,000 | $121,000 |
$54,000 | $86,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
85 | $4,093,000 |
$48,000 | $204,000 |
$41,000 | $100,000 |
| Debt-To-Income Ratio |
49 | $2,913,000 |
$59,000 | $250,000 |
$40,000 | $236,000 |
| Employment History |
8 | $333,000 |
$41,000 | $121,000 |
$35,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
5 | $205,000 |
$41,000 | $108,000 |
$53,000 | $82,000 |
| Unverifiable Information |
1 | $180,000 |
$180,000 | $180,000 |
$56,000 | $56,000 |
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Mortgage Loan App Totals for COMMERCE BANK & TRUST by:
Metropolitan Area And
County
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