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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 TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMERCIAL TRUST COMPANY |
| Address | 119 NORTH MAIN STREET
FAYETTE, MO 65248 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 166 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,765,000 |
| Average Mortgage Loan Amount Applied For | $98,250 |
| Highest Mortgage Loan Amount Applied For | $289,000 |
| Average Applicant Income | $96,250 |
| Highest Applicant Income | $405,000 |
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| Home Improvement |
38 | $1,887,000 |
$49,000 | $147,000 |
$58,000 | $141,000 |
| Home Purchase |
63 | $5,640,000 |
$89,000 | $233,000 |
$57,000 | $405,000 |
| Refinancing |
66 | $5,258,000 |
$79,000 | $289,000 |
$53,000 | $266,000 |
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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 |
7 | $291,000 |
$41,000 | $87,000 |
$41,000 | $62,000 |
| Hispanic |
2 | $71,000 |
$35,000 | $51,000 |
$21,000 | $26,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $125,000 |
$125,000 | $125,000 |
$266,000 | $266,000 |
| Not Provided |
3 | $165,000 |
$55,000 | $85,000 |
$58,000 | $84,000 |
| White |
154 | $12,133,000 |
$78,000 | $289,000 |
$56,000 | $405,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
167 | $12,785,000 |
$76,000 | $289,000 |
$56,000 | $405,000 |
| 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 |
31 | $2,118,000 |
$68,000 | $233,000 |
$38,000 | $74,000 |
| Application Withdrawn By Applicant |
3 | $283,000 |
$94,000 | $120,000 |
$55,000 | $65,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
133 | $10,384,000 |
$78,000 | $289,000 |
$60,000 | $405,000 |
| 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 |
2 | $59,000 |
$29,000 | $44,000 |
$19,000 | $25,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
19 | $1,462,000 |
$76,000 | $233,000 |
$37,000 | $63,000 |
| Debt-To-Income Ratio |
4 | $299,000 |
$74,000 | $102,000 |
$32,000 | $51,000 |
| Employment History |
1 | $26,000 |
$26,000 | $26,000 |
$73,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $28,000 |
$28,000 | $28,000 |
$54,000 | $54,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $36,000 |
$36,000 | $36,000 |
$26,000 | $26,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMERCIAL TRUST COMPANY by:
Metropolitan Area And
County
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