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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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COMMUNITY BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY BANK AND TRUST |
| Address | 100 SOUTH WOOD; P O BOX 400
NEOSHO, MO 64850 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 467 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $35,771,000 |
| Average Mortgage Loan Amount Applied For | $123,571 |
| Highest Mortgage Loan Amount Applied For | $494,000 |
| Average Applicant Income | $75,571 |
| Highest Applicant Income | $365,000 |
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| Home Improvement |
84 | $2,377,000 |
$28,000 | $456,000 |
$51,000 | $363,000 |
| Home Purchase |
209 | $19,262,000 |
$92,000 | $494,000 |
$63,000 | $365,000 |
| Refinancing |
176 | $14,280,000 |
$81,000 | $447,000 |
$51,000 | $243,000 |
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| American Indian or Alaskan Native |
7 | $420,000 |
$60,000 | $146,000 |
$23,000 | $40,000 |
| Asian |
4 | $603,000 |
$150,000 | $208,000 |
$45,000 | $64,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $55,000 |
$18,000 | $31,000 |
$34,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $71,000 |
$71,000 | $71,000 |
$73,000 | $73,000 |
| Not applicable |
13 | $1,682,000 |
$129,000 | $226,000 |
$0 | $0 |
| Not Provided |
14 | $1,103,000 |
$78,000 | $250,000 |
$45,000 | $96,000 |
| White |
427 | $31,985,000 |
$74,000 | $494,000 |
$59,000 | $365,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
469 | $35,919,000 |
$76,000 | $494,000 |
$56,000 | $365,000 |
| 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 |
105 | $6,701,000 |
$63,000 | $447,000 |
$37,000 | $188,000 |
| Application Withdrawn By Applicant |
100 | $6,596,000 |
$65,000 | $290,000 |
$54,000 | $188,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
264 | $22,622,000 |
$85,000 | $494,000 |
$65,000 | $365,000 |
| 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 |
7 | $723,000 |
$103,000 | $236,000 |
$58,000 | $150,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
67 | $3,037,000 |
$45,000 | $190,000 |
$35,000 | $102,000 |
| Debt-To-Income Ratio |
24 | $2,103,000 |
$87,000 | $447,000 |
$33,000 | $96,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $681,000 |
$136,000 | $211,000 |
$25,000 | $40,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $157,000 |
$78,000 | $125,000 |
$125,000 | $188,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMUNITY BANK AND TRUST by:
Metropolitan Area And
County
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