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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 | 101 S. CENTER ST
LONOKE, AR 72086 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 104 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $25,292,000 |
| Average Mortgage Loan Amount Applied For | $263,000 |
| Highest Mortgage Loan Amount Applied For | $5,400,000 |
| Average Applicant Income | $69,125 |
| Highest Applicant Income | $2,957,000 |
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| Home Improvement |
16 | $471,000 |
$29,000 | $160,000 |
$40,000 | $100,000 |
| Home Purchase |
43 | $9,627,000 |
$223,000 | $2,422,000 |
$42,000 | $281,000 |
| Refinancing |
45 | $15,194,000 |
$337,000 | $5,400,000 |
$196,000 | $2,957,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
9 | $245,000 |
$27,000 | $99,000 |
$36,000 | $104,000 |
| Hispanic |
3 | $103,000 |
$34,000 | $44,000 |
$66,000 | $145,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
24 | $15,935,000 |
$663,000 | $5,400,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
68 | $9,009,000 |
$132,000 | $1,625,000 |
$158,000 | $2,957,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
104 | $25,292,000 |
$243,000 | $5,400,000 |
$108,000 | $2,957,000 |
| 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 |
1 | $52,000 |
$52,000 | $52,000 |
$22,000 | $22,000 |
| Application Denied By Financial Institution |
9 | $293,000 |
$32,000 | $95,000 |
$39,000 | $65,000 |
| Application Withdrawn By Applicant |
4 | $103,000 |
$25,000 | $32,000 |
$71,000 | $145,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
90 | $24,844,000 |
$276,000 | $5,400,000 |
$117,000 | $2,957,000 |
| 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 |
7 | $246,000 |
$35,000 | $95,000 |
$45,000 | $65,000 |
| Debt-To-Income Ratio |
1 | $44,000 |
$44,000 | $44,000 |
$21,000 | $21,000 |
| 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 |
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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