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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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COMMERCIAL STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMERCIAL STATE BANK |
| Address | 309 OAK STREET, P.O. BOX 397
BONNER SPRINGS, KS 66012 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 55 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,107,000 |
| Average Mortgage Loan Amount Applied For | $169,600 |
| Highest Mortgage Loan Amount Applied For | $510,000 |
| Average Applicant Income | $69,600 |
| Highest Applicant Income | $247,000 |
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| Home Improvement |
15 | $381,000 |
$25,000 | $111,000 |
$49,000 | $99,000 |
| Home Purchase |
17 | $1,585,000 |
$92,500 | $250,000 |
$65,500 | $239,000 |
| Refinancing |
23 | $3,141,000 |
$195,500 | $510,000 |
$69,000 | $247,000 |
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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 |
4 | $178,000 |
$44,000 | $80,000 |
$104,000 | $239,000 |
| Hispanic |
4 | $268,000 |
$67,000 | $150,000 |
$51,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $1,305,000 |
$311,500 | $510,000 |
$55,000 | $129,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
39 | $3,356,000 |
$78,000 | $352,000 |
$68,000 | $247,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
55 | $5,107,000 |
$132,500 | $510,000 |
$65,000 | $247,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
4 | $445,000 |
$111,000 | $150,000 |
$29,000 | $48,000 |
| Application Withdrawn By Applicant |
1 | $9,000 |
$9,000 | $9,000 |
$56,000 | $56,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
50 | $4,653,000 |
$132,000 | $510,000 |
$70,500 | $247,000 |
| 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 |
2 | $195,000 |
$97,000 | $115,000 |
$31,000 | $48,000 |
| Debt-To-Income Ratio |
2 | $250,000 |
$125,000 | $150,000 |
$28,000 | $43,000 |
| 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 COMMERCIAL STATE BANK by:
Metropolitan Area And
County
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