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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 FEDERAL BANK, FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST FEDERAL BANK, FSB |
| Address | 6900 N. EXECUTIVE DR.
KANSAS CITY, MO 64120 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 646 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $105,831,000 |
| Average Mortgage Loan Amount Applied For | $143,421 |
| Highest Mortgage Loan Amount Applied For | $942,000 |
| Average Applicant Income | $78,052 |
| Highest Applicant Income | $540,000 |
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| Home Improvement |
83 | $3,188,000 |
$38,000 | $319,000 |
$68,000 | $294,000 |
| Home Purchase |
498 | $94,510,000 |
$189,000 | $1,056,000 |
$70,000 | $540,000 |
| Refinancing |
164 | $23,760,000 |
$144,000 | $810,000 |
$73,000 | $300,000 |
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| American Indian or Alaskan Native |
1 | $10,000 |
$10,000 | $10,000 |
$50,000 | $50,000 |
| Asian |
7 | $989,000 |
$141,000 | $364,000 |
$74,000 | $125,000 |
| Black or African American |
41 | $6,492,000 |
$158,000 | $567,000 |
$55,000 | $121,000 |
| Hispanic |
34 | $5,777,000 |
$169,000 | $500,000 |
$80,000 | $225,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $363,000 |
$90,000 | $133,000 |
$30,000 | $56,000 |
| Not applicable |
6 | $540,000 |
$90,000 | $90,000 |
$0 | $0 |
| Not Provided |
81 | $11,114,000 |
$137,000 | $630,000 |
$54,000 | $186,000 |
| White |
571 | $96,173,000 |
$168,000 | $1,056,000 |
$74,000 | $540,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
704 | $116,725,000 |
$165,000 | $1,056,000 |
$72,000 | $540,000 |
| FHA-insured (Federal Housing Administration) |
27 | $2,960,000 |
$109,000 | $179,000 |
$42,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
14 | $1,773,000 |
$126,000 | $183,000 |
$46,000 | $77,000 |
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| Application Approved But Not Accepted |
35 | $5,621,000 |
$160,000 | $415,000 |
$77,000 | $193,000 |
| Application Denied By Financial Institution |
64 | $7,755,000 |
$121,000 | $630,000 |
$55,000 | $277,000 |
| Application Withdrawn By Applicant |
49 | $8,126,000 |
$165,000 | $567,000 |
$73,000 | $200,000 |
| File Closed For Incompleteness |
16 | $3,203,000 |
$200,000 | $825,000 |
$73,000 | $186,000 |
| Loan Originated |
482 | $81,126,000 |
$168,000 | $942,000 |
$75,000 | $540,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
60 | $10,559,000 |
$175,000 | $1,056,000 |
$60,000 | $185,000 |
| Preapproval Denied by Financial Institution |
39 | $5,068,000 |
$129,000 | $450,000 |
$41,000 | $107,000 |
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| Collateral |
5 | $771,000 |
$154,000 | $387,000 |
$62,000 | $107,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
47 | $4,585,000 |
$97,000 | $295,000 |
$40,000 | $95,000 |
| Debt-To-Income Ratio |
32 | $4,939,000 |
$154,000 | $630,000 |
$62,000 | $192,000 |
| Employment History |
1 | $124,000 |
$124,000 | $124,000 |
$67,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $41,000 |
$41,000 | $41,000 |
$76,000 | $76,000 |
| Other |
16 | $2,252,000 |
$140,000 | $480,000 |
$49,000 | $277,000 |
| Unverifiable Information |
1 | $111,000 |
$111,000 | $111,000 |
$27,000 | $27,000 |
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Mortgage Loan App Totals for FIRST FEDERAL BANK, FSB by:
Metropolitan Area And
County
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