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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 | 5370 S 72ND PO BOX 27428
RALSTON, NE 68127 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 279 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,983,000 |
| Average Mortgage Loan Amount Applied For | $191,500 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $177,000 |
| Highest Applicant Income | $2,500,000 |
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| Home Improvement |
15 | $538,000 |
$35,000 | $216,000 |
$67,000 | $268,000 |
| Home Purchase |
146 | $21,031,000 |
$144,000 | $688,000 |
$69,000 | $750,000 |
| Refinancing |
118 | $15,414,000 |
$130,000 | $1,500,000 |
$79,000 | $2,500,000 |
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| American Indian or Alaskan Native |
1 | $48,000 |
$48,000 | $48,000 |
$12,000 | $12,000 |
| Asian |
4 | $501,000 |
$125,000 | $148,000 |
$92,000 | $135,000 |
| Black or African American |
5 | $650,000 |
$130,000 | $214,000 |
$67,000 | $103,000 |
| Hispanic |
10 | $1,726,000 |
$172,000 | $508,000 |
$30,000 | $84,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $1,254,000 |
$418,000 | $567,000 |
$213,000 | $273,000 |
| Not applicable |
18 | $2,270,000 |
$126,000 | $688,000 |
$100,000 | $750,000 |
| Not Provided |
5 | $470,000 |
$94,000 | $213,000 |
$16,000 | $50,000 |
| White |
233 | $30,064,000 |
$129,000 | $1,500,000 |
$73,000 | $2,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
258 | $35,012,000 |
$135,000 | $1,500,000 |
$76,000 | $2,500,000 |
| FHA-insured (Federal Housing Administration) |
14 | $1,168,000 |
$83,000 | $130,000 |
$37,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $147,000 |
$73,000 | $80,000 |
$43,000 | $57,000 |
| VA-guaranteed (Veterans Administration) |
5 | $656,000 |
$131,000 | $186,000 |
$57,000 | $99,000 |
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| Application Approved But Not Accepted |
58 | $10,809,000 |
$186,000 | $567,000 |
$84,000 | $300,000 |
| Application Denied By Financial Institution |
23 | $4,287,000 |
$186,000 | $1,500,000 |
$166,000 | $2,500,000 |
| Application Withdrawn By Applicant |
19 | $3,456,000 |
$181,000 | $688,000 |
$50,000 | $175,000 |
| File Closed For Incompleteness |
7 | $1,681,000 |
$240,000 | $630,000 |
$19,000 | $60,000 |
| Loan Originated |
172 | $16,750,000 |
$97,000 | $450,000 |
$62,000 | $750,000 |
| 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 |
4 | $394,000 |
$98,000 | $142,000 |
$50,000 | $90,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $2,538,000 |
$317,000 | $1,500,000 |
$384,000 | $2,500,000 |
| Debt-To-Income Ratio |
6 | $823,000 |
$137,000 | $204,000 |
$52,000 | $108,000 |
| Employment History |
1 | $35,000 |
$35,000 | $35,000 |
$36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $51,000 |
$51,000 | $51,000 |
$30,000 | $30,000 |
| Unverifiable Information |
2 | $221,000 |
$110,000 | $128,000 |
$54,000 | $77,000 |
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Mortgage Loan App Totals for FIRST STATE BANK by:
Metropolitan Area And
County
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