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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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GARDEN CITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
GARDEN CITY BANK |
| Address | 200 N 3RD ST, P O BOX 439
GARDEN CITY, MO 64747 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 132 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,771,000 |
| Average Mortgage Loan Amount Applied For | $95,375 |
| Highest Mortgage Loan Amount Applied For | $410,000 |
| Average Applicant Income | $89,437 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
20 | $370,000 |
$18,000 | $100,000 |
$127,000 | $1,000,000 |
| Home Purchase |
62 | $6,713,000 |
$108,000 | $410,000 |
$67,000 | $643,000 |
| Refinancing |
50 | $3,688,000 |
$73,000 | $224,000 |
$108,000 | $285,000 |
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| American Indian or Alaskan Native |
3 | $241,000 |
$80,000 | $108,000 |
$51,000 | $75,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
11 | $718,000 |
$65,000 | $128,000 |
$99,000 | $132,000 |
| Hispanic |
1 | $120,000 |
$120,000 | $120,000 |
$90,000 | $90,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
43 | $3,382,000 |
$78,000 | $410,000 |
$140,000 | $1,000,000 |
| Not Provided |
5 | $289,000 |
$57,000 | $149,000 |
$53,000 | $107,000 |
| White |
69 | $6,021,000 |
$87,000 | $330,000 |
$65,000 | $643,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
131 | $10,521,000 |
$80,000 | $410,000 |
$92,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) |
1 | $250,000 |
$250,000 | $250,000 |
$36,000 | $36,000 |
| 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 |
16 | $1,644,000 |
$102,000 | $319,000 |
$31,000 | $60,000 |
| Application Withdrawn By Applicant |
1 | $108,000 |
$108,000 | $108,000 |
$60,000 | $60,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
115 | $9,019,000 |
$78,000 | $410,000 |
$100,000 | $1,000,000 |
| 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 |
3 | $653,000 |
$217,000 | $319,000 |
$23,000 | $48,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $731,000 |
$66,000 | $250,000 |
$30,000 | $60,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $260,000 |
$130,000 | $150,000 |
$49,000 | $60,000 |
| 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 GARDEN CITY BANK by:
Metropolitan Area And
County
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