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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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DECATUR BANK AND TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
DECATUR BANK AND TRUST COMPANY |
| Address | 520 N 13TH ST PO BOX 988
DECATUR, IN 46733 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 362 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,717,000 |
| Average Mortgage Loan Amount Applied For | $102,000 |
| Highest Mortgage Loan Amount Applied For | $324,000 |
| Average Applicant Income | $110,888 |
| Highest Applicant Income | $410,000 |
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| Home Improvement (one-to-four family) |
25 | $841,000 |
$19,500 | $236,000 |
$46,500 | $137,000 |
| Home Purchase (one-to-four family) |
69 | $5,365,000 |
$140,000 | $288,000 |
$110,500 | $410,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
269 | $23,716,000 |
$95,500 | $324,000 |
$78,000 | $405,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
4 | $266,000 |
$66,000 | $102,000 |
$49,000 | $147,000 |
| Information not provided by applicant in mail or telephone application |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $92,000 |
$92,000 | $92,000 |
$74,000 | $74,000 |
| White |
358 | $29,564,000 |
$113,666 | $324,000 |
$95,000 | $410,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
363 | $29,922,000 |
$113,666 | $324,000 |
$94,333 | $410,000 |
| 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 |
19 | $1,613,000 |
$84,000 | $196,000 |
$38,000 | $68,000 |
| Application Withdrawn By Applicant |
38 | $3,602,000 |
$94,000 | $288,000 |
$71,000 | $336,000 |
| File Closed For Incompleteness |
6 | $502,000 |
$83,000 | $145,000 |
$83,000 | $191,000 |
| Loan Originated |
300 | $24,205,000 |
$113,000 | $324,000 |
$98,666 | $410,000 |
| Loan Purchased By The 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 |
6 | $548,000 |
$91,000 | $196,000 |
$33,000 | $45,000 |
| Debt-To-Income Ratio |
8 | $526,000 |
$65,000 | $120,000 |
$33,000 | $68,000 |
| 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 DECATUR BANK AND TRUST COMPANY by:
Metropolitan Area And
County
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