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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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EQUITY BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
EQUITY BANK, N.A. |
| Address | 225 WEST CENTRAL
ANDOVER, KS 67002 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 877 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $112,692,000 |
| Average Mortgage Loan Amount Applied For | $148,765 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $82,180 |
| Highest Applicant Income | $836,000 |
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| Home Improvement |
1 | $103,000 |
$103,000 | $103,000 |
$47,000 | $47,000 |
| Home Purchase |
667 | $81,413,000 |
$122,000 | $1,200,000 |
$72,000 | $836,000 |
| Refinancing |
209 | $31,176,000 |
$149,000 | $1,500,000 |
$80,000 | $700,000 |
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| American Indian or Alaskan Native |
4 | $203,000 |
$50,000 | $94,000 |
$53,000 | $77,000 |
| Asian |
23 | $3,710,000 |
$161,000 | $640,000 |
$76,000 | $330,000 |
| Black or African American |
38 | $4,125,000 |
$108,000 | $292,000 |
$65,000 | $161,000 |
| Hispanic |
28 | $3,075,000 |
$109,000 | $248,000 |
$51,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $94,000 |
$94,000 | $94,000 |
$61,000 | $61,000 |
| Not applicable |
8 | $1,927,000 |
$240,000 | $800,000 |
$0 | $0 |
| Not Provided |
41 | $6,724,000 |
$164,000 | $868,000 |
$69,000 | $176,000 |
| White |
734 | $92,834,000 |
$126,000 | $1,500,000 |
$76,000 | $836,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
833 | $108,793,000 |
$130,000 | $1,500,000 |
$76,000 | $836,000 |
| FHA-insured (Federal Housing Administration) |
41 | $3,660,000 |
$89,000 | $162,000 |
$35,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $239,000 |
$79,000 | $89,000 |
$33,000 | $42,000 |
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| Application Approved But Not Accepted |
24 | $2,456,000 |
$102,000 | $357,000 |
$70,000 | $252,000 |
| Application Denied By Financial Institution |
25 | $2,829,000 |
$113,000 | $621,000 |
$55,000 | $138,000 |
| Application Withdrawn By Applicant |
104 | $14,098,000 |
$135,000 | $868,000 |
$60,000 | $432,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
597 | $77,896,000 |
$130,000 | $1,500,000 |
$75,000 | $836,000 |
| Loan Purchased By The Institution |
127 | $15,413,000 |
$121,000 | $506,000 |
$82,000 | $375,000 |
| 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 |
6 | $686,000 |
$114,000 | $201,000 |
$72,000 | $120,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $591,000 |
$73,000 | $119,000 |
$27,000 | $56,000 |
| Debt-To-Income Ratio |
5 | $470,000 |
$94,000 | $194,000 |
$68,000 | $138,000 |
| 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 | $863,000 |
$215,000 | $621,000 |
$60,000 | $120,000 |
| Unverifiable Information |
2 | $219,000 |
$109,000 | $156,000 |
$74,000 | $109,000 |
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Mortgage Loan App Totals for EQUITY BANK, N.A. by:
Metropolitan Area And
County
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