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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 STATE BANK, NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY STATE BANK, NA |
| Address | 817 N ANKENY BLVD
ANKENY, IA 50023 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 542 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $53,633,000 |
| Average Mortgage Loan Amount Applied For | $87,941 |
| Highest Mortgage Loan Amount Applied For | $3,124,000 |
| Average Applicant Income | $107,941 |
| Highest Applicant Income | $640,000 |
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| Home Improvement |
129 | $2,515,000 |
$19,000 | $140,000 |
$69,000 | $450,000 |
| Home Purchase |
367 | $45,676,000 |
$124,000 | $1,125,000 |
$64,000 | $840,000 |
| Refinancing |
174 | $20,527,000 |
$117,000 | $3,124,000 |
$77,000 | $640,000 |
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| American Indian or Alaskan Native |
3 | $239,000 |
$79,000 | $122,000 |
$37,000 | $78,000 |
| Asian |
9 | $1,132,000 |
$125,000 | $332,000 |
$75,000 | $147,000 |
| Black or African American |
3 | $325,000 |
$108,000 | $165,000 |
$46,000 | $80,000 |
| Hispanic |
14 | $1,331,000 |
$95,000 | $300,000 |
$51,000 | $144,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $5,420,000 |
$492,000 | $3,124,000 |
$0 | $0 |
| Not Provided |
8 | $518,000 |
$64,000 | $280,000 |
$130,000 | $640,000 |
| White |
622 | $59,753,000 |
$96,000 | $1,125,000 |
$69,000 | $840,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
657 | $67,344,000 |
$102,000 | $3,124,000 |
$69,000 | $840,000 |
| 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) |
13 | $1,374,000 |
$105,000 | $189,000 |
$42,000 | $76,000 |
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| Application Approved But Not Accepted |
164 | $20,039,000 |
$122,000 | $1,125,000 |
$64,000 | $840,000 |
| Application Denied By Financial Institution |
103 | $6,876,000 |
$66,000 | $300,000 |
$51,000 | $450,000 |
| Application Withdrawn By Applicant |
3 | $361,000 |
$120,000 | $200,000 |
$97,000 | $129,000 |
| File Closed For Incompleteness |
2 | $186,000 |
$93,000 | $154,000 |
$48,000 | $56,000 |
| Loan Originated |
398 | $41,256,000 |
$103,000 | $3,124,000 |
$74,000 | $640,000 |
| 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 |
4 | $157,000 |
$39,000 | $94,000 |
$39,000 | $64,000 |
| Credit Application Incomplete |
2 | $252,000 |
$126,000 | $195,000 |
$64,000 | $116,000 |
| Credit History |
55 | $3,456,000 |
$62,000 | $190,000 |
$51,000 | $204,000 |
| Debt-To-Income Ratio |
29 | $2,224,000 |
$76,000 | $300,000 |
$44,000 | $110,000 |
| Employment History |
7 | $416,000 |
$59,000 | $113,000 |
$35,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
5 | $336,000 |
$67,000 | $177,000 |
$44,000 | $70,000 |
| Unverifiable Information |
1 | $35,000 |
$35,000 | $35,000 |
$450,000 | $450,000 |
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Mortgage Loan App Totals for COMMUNITY STATE BANK, NA by:
Metropolitan Area And
County
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