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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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EARLHAM SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
EARLHAM SAVINGS BANK |
| Address | 7300 LAKE DRIVE
WEST DES MOINES, IA 50266 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 151 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,609,000 |
| Average Mortgage Loan Amount Applied For | $91,500 |
| Highest Mortgage Loan Amount Applied For | $480,000 |
| Average Applicant Income | $57,250 |
| Highest Applicant Income | $1,400,000 |
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| Home Improvement |
32 | $1,255,000 |
$39,000 | $480,000 |
$52,000 | $186,000 |
| Home Purchase |
50 | $6,285,000 |
$125,000 | $419,000 |
$73,000 | $650,000 |
| Refinancing |
70 | $5,079,000 |
$72,000 | $400,000 |
$88,000 | $1,400,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $15,000 |
$15,000 | $15,000 |
$58,000 | $58,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
12 | $2,006,000 |
$167,000 | $480,000 |
$0 | $0 |
| Not Provided |
19 | $1,256,000 |
$66,000 | $275,000 |
$149,000 | $1,400,000 |
| White |
120 | $9,342,000 |
$77,000 | $419,000 |
$71,000 | $650,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
152 | $12,619,000 |
$83,000 | $480,000 |
$75,000 | $1,400,000 |
| 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 |
4 | $444,000 |
$111,000 | $315,000 |
$91,000 | $186,000 |
| Application Denied By Financial Institution |
14 | $1,565,000 |
$111,000 | $272,000 |
$59,000 | $116,000 |
| Application Withdrawn By Applicant |
2 | $100,000 |
$50,000 | $90,000 |
$55,000 | $82,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
132 | $10,510,000 |
$79,000 | $480,000 |
$77,000 | $1,400,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 EARLHAM SAVINGS BANK by:
Metropolitan Area And
County
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