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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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EMPIRE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
EMPIRE BANK |
| Address | 1800 SOUTH GLENSTONE AVENUE
SPRINGFIELD, MO 65804 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 702 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $72,559,000 |
| Average Mortgage Loan Amount Applied For | $97,095 |
| Highest Mortgage Loan Amount Applied For | $2,168,000 |
| Average Applicant Income | $56,428 |
| Highest Applicant Income | $1,287,000 |
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| Home Improvement |
42 | $1,338,000 |
$31,000 | $220,000 |
$90,000 | $1,287,000 |
| Home Purchase |
305 | $33,279,000 |
$109,000 | $1,023,000 |
$70,000 | $763,000 |
| Refinancing |
355 | $37,942,000 |
$106,000 | $2,168,000 |
$63,000 | $400,000 |
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| American Indian or Alaskan Native |
3 | $174,000 |
$58,000 | $67,000 |
$21,000 | $33,000 |
| Asian |
3 | $433,000 |
$144,000 | $200,000 |
$279,000 | $763,000 |
| Black or African American |
1 | $32,000 |
$32,000 | $32,000 |
$42,000 | $42,000 |
| Hispanic |
4 | $373,000 |
$93,000 | $120,000 |
$74,000 | $163,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
30 | $7,887,000 |
$262,000 | $2,168,000 |
$0 | $0 |
| Not Provided |
5 | $609,000 |
$121,000 | $260,000 |
$39,000 | $64,000 |
| White |
656 | $63,051,000 |
$96,000 | $540,000 |
$70,000 | $1,287,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
700 | $72,169,000 |
$103,000 | $2,168,000 |
$67,000 | $1,287,000 |
| 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) |
2 | $390,000 |
$195,000 | $195,000 |
$88,000 | $88,000 |
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| Application Approved But Not Accepted |
59 | $6,939,000 |
$117,000 | $385,000 |
$71,000 | $763,000 |
| Application Denied By Financial Institution |
62 | $5,687,000 |
$91,000 | $260,000 |
$42,000 | $146,000 |
| Application Withdrawn By Applicant |
2 | $177,000 |
$88,000 | $134,000 |
$46,000 | $50,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
579 | $59,756,000 |
$103,000 | $2,168,000 |
$70,000 | $1,287,000 |
| 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 |
2 | $187,000 |
$93,000 | $156,000 |
$57,000 | $79,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
49 | $4,588,000 |
$93,000 | $260,000 |
$41,000 | $100,000 |
| Debt-To-Income Ratio |
6 | $532,000 |
$88,000 | $126,000 |
$23,000 | $38,000 |
| 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 |
4 | $324,000 |
$81,000 | $108,000 |
$66,000 | $146,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for EMPIRE BANK by:
Metropolitan Area And
County
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