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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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EMPRISE BANK NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
EMPRISE BANK NA |
| Address | 104 E GRAND PO BOX 100
HILLSBORO, KS 67063 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 10 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,512,000 |
| Average Mortgage Loan Amount Applied For | $173,666 |
| Highest Mortgage Loan Amount Applied For | $250,000 |
| Average Applicant Income | $97,666 |
| Highest Applicant Income | $269,000 |
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| Home Improvement |
17 | $596,000 |
$84,500 | $250,000 |
$51,000 | $295,000 |
| Home Purchase |
29 | $1,380,000 |
$47,000 | $150,000 |
$32,000 | $97,000 |
| Refinancing |
23 | $1,965,000 |
$100,500 | $163,000 |
$109,500 | $269,000 |
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| American Indian or Alaskan Native |
1 | $6,000 |
$6,000 | $6,000 |
$18,000 | $18,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $21,000 |
$21,000 | $21,000 |
$34,000 | $34,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $35,000 |
$35,000 | $35,000 |
$33,000 | $33,000 |
| White |
66 | $3,879,000 |
$96,500 | $250,000 |
$86,000 | $295,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
69 | $3,941,000 |
$96,000 | $250,000 |
$85,000 | $295,000 |
| 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 | $39,000 |
$39,000 | $39,000 |
$0 | $0 |
| Application Denied By Financial Institution |
8 | $269,000 |
$33,000 | $150,000 |
$23,000 | $56,000 |
| Application Withdrawn By Applicant |
3 | $206,000 |
$68,000 | $89,000 |
$44,000 | $69,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
57 | $3,427,000 |
$95,500 | $250,000 |
$93,500 | $295,000 |
| 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 |
3 | $210,000 |
$70,000 | $150,000 |
$38,000 | $56,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $9,000 |
$4,000 | $6,000 |
$18,000 | $18,000 |
| Debt-To-Income Ratio |
1 | $21,000 |
$21,000 | $21,000 |
$18,000 | $18,000 |
| Employment History |
2 | $29,000 |
$14,000 | $25,000 |
$15,000 | $17,000 |
| 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 EMPRISE BANK NA by:
Metropolitan Area And
County
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