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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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DENALI STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
DENALI STATE BANK |
| Address | P.O. BOX 74568
FAIRBANKS, AK 99707 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 230 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,345,000 |
| Average Mortgage Loan Amount Applied For | $127,000 |
| Highest Mortgage Loan Amount Applied For | $460,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $1,571,000 |
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| Home Improvement |
78 | $3,992,000 |
$51,000 | $181,000 |
$73,000 | $188,000 |
| Home Purchase |
113 | $19,465,000 |
$172,000 | $460,000 |
$102,000 | $1,571,000 |
| Refinancing |
62 | $7,677,000 |
$123,000 | $325,000 |
$87,000 | $625,000 |
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| American Indian or Alaskan Native |
10 | $1,070,000 |
$107,000 | $285,000 |
$86,000 | $174,000 |
| Asian |
8 | $831,000 |
$103,000 | $210,000 |
$53,000 | $101,000 |
| Black or African American |
1 | $40,000 |
$40,000 | $40,000 |
$35,000 | $35,000 |
| Hispanic |
7 | $928,000 |
$132,000 | $306,000 |
$69,000 | $119,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $325,000 |
$325,000 | $325,000 |
$0 | $0 |
| Not Provided |
3 | $557,000 |
$185,000 | $234,000 |
$165,000 | $231,000 |
| White |
223 | $27,383,000 |
$122,000 | $460,000 |
$92,000 | $1,571,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
242 | $28,685,000 |
$118,000 | $460,000 |
$90,000 | $1,571,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $176,000 |
$176,000 | $176,000 |
$48,000 | $48,000 |
| VA-guaranteed (Veterans Administration) |
10 | $2,273,000 |
$227,000 | $306,000 |
$95,000 | $120,000 |
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| Application Approved But Not Accepted |
15 | $1,831,000 |
$122,000 | $280,000 |
$89,000 | $174,000 |
| Application Denied By Financial Institution |
24 | $2,374,000 |
$98,000 | $306,000 |
$47,000 | $109,000 |
| Application Withdrawn By Applicant |
3 | $205,000 |
$68,000 | $126,000 |
$85,000 | $120,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
211 | $26,724,000 |
$126,000 | $460,000 |
$95,000 | $1,571,000 |
| 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 |
1 | $90,000 |
$90,000 | $90,000 |
$49,000 | $49,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $1,162,000 |
$116,000 | $306,000 |
$61,000 | $109,000 |
| Debt-To-Income Ratio |
9 | $700,000 |
$77,000 | $180,000 |
$40,000 | $77,000 |
| 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 |
2 | $295,000 |
$147,000 | $165,000 |
$42,000 | $84,000 |
| Unverifiable Information |
2 | $127,000 |
$63,000 | $100,000 |
$18,000 | $37,000 |
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Mortgage Loan App Totals for DENALI STATE BANK by:
Metropolitan Area And
County
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