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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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DENISON STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
DENISON STATE BANK |
| Address | 421 NEW YORK - PO BOX 71
HOLTON, KS 66436 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 308 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,570,000 |
| Average Mortgage Loan Amount Applied For | $106,583 |
| Highest Mortgage Loan Amount Applied For | $10,000,000 |
| Average Applicant Income | $52,083 |
| Highest Applicant Income | $4,500,000 |
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| Home Improvement |
7 | $359,000 |
$51,000 | $221,000 |
$31,000 | $59,000 |
| Home Purchase |
137 | $20,844,000 |
$152,000 | $10,000,000 |
$87,000 | $4,500,000 |
| Refinancing |
165 | $15,422,000 |
$93,000 | $318,000 |
$51,000 | $150,000 |
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| American Indian or Alaskan Native |
8 | $694,000 |
$86,000 | $150,000 |
$43,000 | $64,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $149,000 |
$74,000 | $98,000 |
$44,000 | $48,000 |
| Hispanic |
1 | $35,000 |
$35,000 | $35,000 |
$10,000 | $10,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $872,000 |
$124,000 | $225,000 |
$15,000 | $110,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
291 | $34,875,000 |
$119,000 | $10,000,000 |
$69,000 | $4,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
307 | $36,471,000 |
$118,000 | $10,000,000 |
$67,000 | $4,500,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $62,000 |
$62,000 | $62,000 |
$25,000 | $25,000 |
| VA-guaranteed (Veterans Administration) |
1 | $92,000 |
$92,000 | $92,000 |
$45,000 | $45,000 |
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| Application Approved But Not Accepted |
1 | $186,000 |
$186,000 | $186,000 |
$0 | $0 |
| Application Denied By Financial Institution |
18 | $981,000 |
$54,000 | $148,000 |
$43,000 | $105,000 |
| Application Withdrawn By Applicant |
11 | $1,076,000 |
$97,000 | $138,000 |
$52,000 | $165,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
278 | $34,327,000 |
$123,000 | $10,000,000 |
$69,000 | $4,500,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $55,000 |
$55,000 | $55,000 |
$31,000 | $31,000 |
| Preapproval Denied by Financial 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 |
8 | $350,000 |
$43,000 | $73,000 |
$38,000 | $105,000 |
| Debt-To-Income Ratio |
2 | $98,000 |
$49,000 | $85,000 |
$34,000 | $51,000 |
| 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 DENISON STATE BANK by:
Metropolitan Area And
County
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