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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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DOUGLAS COUNTY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
DOUGLAS COUNTY BANK |
| Address | PO BOX 429
LAWRENCE, KS 66044 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 180 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,888,000 |
| Average Mortgage Loan Amount Applied For | $104,000 |
| Highest Mortgage Loan Amount Applied For | $492,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,139,000 |
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| Home Improvement |
33 | $888,000 |
$26,000 | $183,000 |
$47,000 | $133,000 |
| Home Purchase |
81 | $12,579,000 |
$155,000 | $492,000 |
$93,000 | $1,139,000 |
| Refinancing |
87 | $7,527,000 |
$86,000 | $460,000 |
$82,000 | $650,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $223,000 |
$223,000 | $223,000 |
$250,000 | $250,000 |
| Black or African American |
5 | $218,000 |
$43,000 | $110,000 |
$25,000 | $43,000 |
| Hispanic |
4 | $505,000 |
$126,000 | $236,000 |
$42,000 | $68,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $396,000 |
$56,000 | $125,000 |
$12,000 | $85,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
184 | $19,652,000 |
$106,000 | $492,000 |
$85,000 | $1,139,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
201 | $20,994,000 |
$104,000 | $492,000 |
$81,000 | $1,139,000 |
| 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 |
1 | $13,000 |
$13,000 | $13,000 |
$25,000 | $25,000 |
| Application Denied By Financial Institution |
19 | $1,700,000 |
$89,000 | $276,000 |
$44,000 | $96,000 |
| Application Withdrawn By Applicant |
7 | $1,322,000 |
$188,000 | $492,000 |
$110,000 | $250,000 |
| File Closed For Incompleteness |
1 | $29,000 |
$29,000 | $29,000 |
$10,000 | $10,000 |
| Loan Originated |
173 | $17,930,000 |
$103,000 | $460,000 |
$84,000 | $1,139,000 |
| 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 | $30,000 |
$30,000 | $30,000 |
$21,000 | $21,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $807,000 |
$73,000 | $175,000 |
$45,000 | $96,000 |
| Debt-To-Income Ratio |
4 | $621,000 |
$155,000 | $276,000 |
$44,000 | $73,000 |
| 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 |
3 | $242,000 |
$80,000 | $238,000 |
$45,000 | $90,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for DOUGLAS COUNTY BANK by:
Metropolitan Area And
County
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