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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
EMPRISE BANK |
| Address | 257 N. BROADWAY
WICHITA, KS 67202 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 877 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $54,870,000 |
| Average Mortgage Loan Amount Applied For | $66,850 |
| Highest Mortgage Loan Amount Applied For | $1,110,000 |
| Average Applicant Income | $69,225 |
| Highest Applicant Income | $1,765,000 |
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| Home Improvement |
195 | $2,747,000 |
$14,000 | $200,000 |
$49,000 | $642,000 |
| Home Purchase |
350 | $26,371,000 |
$75,000 | $424,000 |
$66,000 | $642,000 |
| Refinancing |
333 | $25,837,000 |
$77,000 | $1,110,000 |
$97,000 | $1,765,000 |
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| American Indian or Alaskan Native |
13 | $572,000 |
$44,000 | $173,000 |
$34,000 | $63,000 |
| Asian |
21 | $1,053,000 |
$50,000 | $141,000 |
$48,000 | $118,000 |
| Black or African American |
21 | $712,000 |
$33,000 | $185,000 |
$37,000 | $101,000 |
| Hispanic |
35 | $1,360,000 |
$38,000 | $126,000 |
$39,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
32 | $5,131,000 |
$160,000 | $326,000 |
$538,000 | $1,765,000 |
| Not Provided |
21 | $1,335,000 |
$63,000 | $216,000 |
$50,000 | $155,000 |
| White |
735 | $44,792,000 |
$60,000 | $1,110,000 |
$59,000 | $859,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
856 | $53,256,000 |
$62,000 | $1,110,000 |
$75,000 | $1,765,000 |
| FHA-insured (Federal Housing Administration) |
19 | $1,546,000 |
$81,000 | $159,000 |
$37,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $153,000 |
$51,000 | $55,000 |
$30,000 | $34,000 |
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| Application Approved But Not Accepted |
50 | $2,368,000 |
$47,000 | $176,000 |
$53,000 | $160,000 |
| Application Denied By Financial Institution |
228 | $9,154,000 |
$40,000 | $216,000 |
$40,000 | $165,000 |
| Application Withdrawn By Applicant |
47 | $5,039,000 |
$107,000 | $450,000 |
$57,000 | $259,000 |
| File Closed For Incompleteness |
23 | $2,451,000 |
$106,000 | $338,000 |
$48,000 | $191,000 |
| Loan Originated |
529 | $35,858,000 |
$67,000 | $1,110,000 |
$94,000 | $1,765,000 |
| 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 |
1 | $85,000 |
$85,000 | $85,000 |
$38,000 | $38,000 |
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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 EMPRISE BANK by:
Metropolitan Area And
County
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