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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 WYOMING
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST STATE BANK OF WYOMING |
| Address | PO BOX 308 - 26741 FELTON AVENUE
WYOMING, MN 55092 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 118 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,445,000 |
| Average Mortgage Loan Amount Applied For | $168,181 |
| Highest Mortgage Loan Amount Applied For | $407,000 |
| Average Applicant Income | $57,363 |
| Highest Applicant Income | $161,000 |
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| Home Improvement |
36 | $773,000 |
$21,000 | $170,000 |
$65,000 | $149,000 |
| Home Purchase |
49 | $7,957,000 |
$162,000 | $363,000 |
$51,000 | $117,000 |
| Refinancing |
50 | $8,732,000 |
$174,000 | $407,000 |
$60,000 | $161,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
135 | $17,462,000 |
$129,000 | $407,000 |
$58,000 | $161,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
118 | $14,565,000 |
$123,000 | $407,000 |
$60,000 | $161,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
17 | $2,897,000 |
$170,000 | $209,000 |
$43,000 | $73,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
3 | $641,000 |
$213,000 | $299,000 |
$73,000 | $105,000 |
| Application Denied By Financial Institution |
24 | $4,160,000 |
$173,000 | $379,000 |
$47,000 | $102,000 |
| Application Withdrawn By Applicant |
19 | $3,162,000 |
$166,000 | $407,000 |
$63,000 | $117,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
89 | $9,499,000 |
$106,000 | $363,000 |
$59,000 | $161,000 |
| 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 | $461,000 |
$230,000 | $257,000 |
$42,000 | $52,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $1,966,000 |
$178,000 | $329,000 |
$47,000 | $90,000 |
| Debt-To-Income Ratio |
9 | $1,382,000 |
$153,000 | $379,000 |
$44,000 | $102,000 |
| 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 |
1 | $214,000 |
$214,000 | $214,000 |
$71,000 | $71,000 |
| Unverifiable Information |
1 | $137,000 |
$137,000 | $137,000 |
$60,000 | $60,000 |
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Mortgage Loan App Totals for FIRST STATE BANK OF WYOMING by:
Metropolitan Area And
County
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