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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 JOSEPH
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST STATE BANK OF ST JOSEPH |
| Address | 400 4TH AVE NE
ST JOSEPH, MN 56374 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 50 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,247,000 |
| Average Mortgage Loan Amount Applied For | $152,600 |
| Highest Mortgage Loan Amount Applied For | $491,000 |
| Average Applicant Income | $68,600 |
| Highest Applicant Income | $243,000 |
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| Home Improvement |
21 | $483,000 |
$23,000 | $76,000 |
$58,000 | $100,000 |
| Home Purchase |
13 | $1,354,000 |
$104,000 | $229,000 |
$78,000 | $160,000 |
| Refinancing |
16 | $2,410,000 |
$150,000 | $491,000 |
$74,000 | $243,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $43,000 |
$43,000 | $43,000 |
$53,000 | $53,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
49 | $4,204,000 |
$85,000 | $491,000 |
$68,000 | $243,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
50 | $4,247,000 |
$84,000 | $491,000 |
$68,000 | $243,000 |
| 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 |
4 | $605,000 |
$151,000 | $491,000 |
$50,000 | $90,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
46 | $3,642,000 |
$79,000 | $325,000 |
$70,000 | $243,000 |
| 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 |
2 | $496,000 |
$248,000 | $491,000 |
$60,000 | $90,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $95,000 |
$95,000 | $95,000 |
$39,000 | $39,000 |
| 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 JOSEPH by:
Metropolitan Area And
County
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