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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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FIRSTBANK-ST JOHNS MTG CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRSTBANK-ST JOHNS MTG CO |
| Address | 201 N. CLINTON AVENUE
ST JOHNS, MI 48879 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 81 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,068,000 |
| Average Mortgage Loan Amount Applied For | $120,769 |
| Highest Mortgage Loan Amount Applied For | $450,000 |
| Average Applicant Income | $79,846 |
| Highest Applicant Income | $166,000 |
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| Home Improvement |
2 | $170,000 |
$85,000 | $120,000 |
$60,000 | $84,000 |
| Home Purchase |
53 | $6,530,000 |
$123,000 | $450,000 |
$61,000 | $121,000 |
| Refinancing |
29 | $3,702,000 |
$127,000 | $230,000 |
$70,000 | $166,000 |
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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 |
1 | $150,000 |
$150,000 | $150,000 |
$37,000 | $37,000 |
| Hispanic |
1 | $166,000 |
$166,000 | $166,000 |
$100,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $67,000 |
$67,000 | $67,000 |
$61,000 | $61,000 |
| Not applicable |
6 | $854,000 |
$142,000 | $450,000 |
$44,000 | $119,000 |
| Not Provided |
3 | $340,000 |
$113,000 | $144,000 |
$85,000 | $121,000 |
| White |
72 | $8,825,000 |
$122,000 | $285,000 |
$65,000 | $166,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
79 | $9,873,000 |
$124,000 | $450,000 |
$65,000 | $166,000 |
| FHA-insured (Federal Housing Administration) |
1 | $74,000 |
$74,000 | $74,000 |
$31,000 | $31,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
4 | $455,000 |
$113,000 | $163,000 |
$51,000 | $74,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
13 | $1,256,000 |
$96,000 | $211,000 |
$70,000 | $121,000 |
| Application Denied By Financial Institution |
5 | $586,000 |
$117,000 | $218,000 |
$37,000 | $56,000 |
| Application Withdrawn By Applicant |
1 | $163,000 |
$163,000 | $163,000 |
$74,000 | $74,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
63 | $8,207,000 |
$130,000 | $450,000 |
$66,000 | $166,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $190,000 |
$95,000 | $160,000 |
$48,000 | $50,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$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 FIRSTBANK-ST JOHNS MTG CO by:
Metropolitan Area And
County
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