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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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FIRST CENTRAL STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST CENTRAL STATE BANK |
| Address | 914 6TH AVE
DEWITT, IA 52742 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 375 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $39,502,000 |
| Average Mortgage Loan Amount Applied For | $123,266 |
| Highest Mortgage Loan Amount Applied For | $716,000 |
| Average Applicant Income | $67,400 |
| Highest Applicant Income | $777,000 |
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| Home Improvement |
47 | $1,833,000 |
$39,000 | $155,000 |
$50,000 | $312,000 |
| Home Purchase |
234 | $26,700,000 |
$114,000 | $417,000 |
$59,000 | $444,000 |
| Refinancing |
94 | $10,969,000 |
$116,000 | $716,000 |
$80,000 | $777,000 |
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| American Indian or Alaskan Native |
1 | $111,000 |
$111,000 | $111,000 |
$170,000 | $170,000 |
| Asian |
1 | $41,000 |
$41,000 | $41,000 |
$49,000 | $49,000 |
| Black or African American |
1 | $90,000 |
$90,000 | $90,000 |
$25,000 | $25,000 |
| Hispanic |
3 | $492,000 |
$164,000 | $260,000 |
$61,000 | $88,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $964,000 |
$96,000 | $150,000 |
$0 | $0 |
| Not Provided |
7 | $831,000 |
$118,000 | $190,000 |
$51,000 | $98,000 |
| White |
352 | $36,973,000 |
$105,000 | $716,000 |
$65,000 | $777,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
365 | $38,593,000 |
$105,000 | $716,000 |
$64,000 | $777,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
10 | $909,000 |
$90,000 | $120,000 |
$41,000 | $58,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
1 | $122,000 |
$122,000 | $122,000 |
$84,000 | $84,000 |
| Application Denied By Financial Institution |
9 | $697,000 |
$77,000 | $162,000 |
$41,000 | $88,000 |
| Application Withdrawn By Applicant |
18 | $2,360,000 |
$131,000 | $408,000 |
$69,000 | $132,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
347 | $36,323,000 |
$104,000 | $716,000 |
$63,000 | $777,000 |
| 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 FIRST CENTRAL STATE BANK by:
Metropolitan Area And
County
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