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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST STATE BANK |
| Address | P O BOX 966
CONWAY, AR 72033 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 466 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $41,684,000 |
| Average Mortgage Loan Amount Applied For | $100,181 |
| Highest Mortgage Loan Amount Applied For | $1,100,000 |
| Average Applicant Income | $70,045 |
| Highest Applicant Income | $2,800,000 |
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| Home Improvement |
82 | $1,088,000 |
$13,000 | $68,000 |
$44,000 | $185,000 |
| Home Purchase |
242 | $24,284,000 |
$112,500 | $1,100,000 |
$123,500 | $524,000 |
| Refinancing |
142 | $16,312,000 |
$114,000 | $435,000 |
$70,000 | $2,800,000 |
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| American Indian or Alaskan Native |
1 | $80,000 |
$80,000 | $80,000 |
$74,000 | $74,000 |
| Asian |
4 | $440,000 |
$110,000 | $180,000 |
$65,000 | $80,000 |
| Black or African American |
21 | $1,565,000 |
$74,000 | $280,000 |
$60,000 | $238,000 |
| Hispanic |
9 | $402,000 |
$44,000 | $65,000 |
$53,000 | $116,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
23 | $4,427,000 |
$192,000 | $1,100,000 |
$0 | $50,000 |
| Not Provided |
13 | $761,000 |
$58,000 | $242,000 |
$55,000 | $123,000 |
| White |
395 | $34,009,000 |
$105,500 | $435,000 |
$126,000 | $2,800,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
466 | $41,684,000 |
$107,000 | $1,100,000 |
$122,500 | $2,800,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
69 | $1,608,000 |
$23,000 | $127,000 |
$42,000 | $133,000 |
| Application Withdrawn By Applicant |
52 | $4,977,000 |
$95,000 | $400,000 |
$58,000 | $108,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
345 | $35,099,000 |
$113,000 | $1,100,000 |
$128,000 | $2,800,000 |
| 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 |
2 | $65,000 |
$32,000 | $63,000 |
$48,000 | $89,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
42 | $920,000 |
$21,000 | $127,000 |
$46,000 | $133,000 |
| Debt-To-Income Ratio |
22 | $455,000 |
$20,000 | $60,000 |
$34,000 | $87,000 |
| Employment History |
3 | $168,000 |
$56,000 | $63,000 |
$46,000 | $60,000 |
| 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 FIRST STATE BANK by:
Metropolitan Area And
County
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