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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 OF ST CHARLES
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST STATE BANK OF ST CHARLES |
| Address | 206 N FIFTH STREET
ST. CHARLES, MO 63301 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 274 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,725,000 |
| Average Mortgage Loan Amount Applied For | $122,800 |
| Highest Mortgage Loan Amount Applied For | $4,200,000 |
| Average Applicant Income | $57,500 |
| Highest Applicant Income | $222,000 |
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| Home Improvement |
7 | $90,000 |
$12,000 | $30,000 |
$63,000 | $95,000 |
| Home Purchase |
204 | $28,306,000 |
$138,000 | $4,200,000 |
$32,000 | $222,000 |
| Refinancing |
64 | $9,332,000 |
$145,000 | $2,560,000 |
$39,000 | $166,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $338,000 |
$169,000 | $180,000 |
$55,000 | $62,000 |
| Black or African American |
4 | $1,137,000 |
$284,000 | $572,000 |
$107,000 | $166,000 |
| Hispanic |
1 | $192,000 |
$192,000 | $192,000 |
$157,000 | $157,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
151 | $21,935,000 |
$145,000 | $4,200,000 |
$0 | $0 |
| Not Provided |
2 | $255,000 |
$127,000 | $130,000 |
$15,000 | $30,000 |
| White |
115 | $13,871,000 |
$120,000 | $502,000 |
$76,000 | $222,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
274 | $37,651,000 |
$137,000 | $4,200,000 |
$34,000 | $222,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $77,000 |
$77,000 | $77,000 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
21 | $2,624,000 |
$124,000 | $323,000 |
$38,000 | $146,000 |
| Application Denied By Financial Institution |
8 | $7,528,000 |
$941,000 | $4,200,000 |
$57,000 | $157,000 |
| Application Withdrawn By Applicant |
6 | $986,000 |
$164,000 | $212,000 |
$60,000 | $103,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
240 | $26,590,000 |
$110,000 | $2,040,000 |
$32,000 | $222,000 |
| 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 |
1 | $4,200,000 |
$4,200,000 | $4,200,000 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $768,000 |
$128,000 | $246,000 |
$76,000 | $157,000 |
| Debt-To-Income Ratio |
1 | $2,560,000 |
$2,560,000 | $2,560,000 |
$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 STATE BANK OF ST CHARLES by:
Metropolitan Area And
County
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