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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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GUARANTY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
GUARANTY BANK |
| Address | 1341 W BATTLEFIELD
SPRINGFIELD, MO 65807 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 1,188 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $119,487,000 |
| Average Mortgage Loan Amount Applied For | $180,533 |
| Highest Mortgage Loan Amount Applied For | $1,198,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $825,000 |
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| Home Improvement (one-to-four family) |
1 | $50,000 |
$50,000 | $50,000 |
$40,000 | $40,000 |
| Home Purchase (one-to-four family) |
226 | $21,823,000 |
$84,500 | $323,000 |
$34,500 | $825,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
5 | $3,626,000 |
$902,500 | $1,198,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
956 | $93,988,000 |
$98,000 | $500,000 |
$63,000 | $825,000 |
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| American Indian or Alaskan Native |
3 | $247,000 |
$82,000 | $112,000 |
$39,000 | $68,000 |
| Asian or Pacific Islander |
8 | $804,000 |
$100,000 | $204,000 |
$31,000 | $134,000 |
| Black |
6 | $611,000 |
$101,000 | $352,000 |
$59,000 | $195,000 |
| Hispanic |
3 | $234,000 |
$78,000 | $116,000 |
$55,000 | $81,000 |
| Information not provided by applicant in mail or telephone application |
2 | $195,000 |
$97,000 | $125,000 |
$44,000 | $53,000 |
| Not applicable |
32 | $6,060,000 |
$476,666 | $1,198,000 |
$36,000 | $825,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
1,134 | $111,336,000 |
$98,000 | $500,000 |
$64,000 | $739,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,172 | $118,003,000 |
$456,666 | $1,198,000 |
$22,666 | $825,000 |
| FHA-insured (Federal Housing Administration) |
8 | $703,000 |
$87,000 | $137,000 |
$40,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
8 | $781,000 |
$97,000 | $171,000 |
$34,000 | $65,000 |
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| Application Approved But Not Accepted |
9 | $1,127,000 |
$125,000 | $287,000 |
$71,000 | $135,000 |
| Application Denied By Financial Institution |
32 | $3,239,000 |
$101,000 | $390,000 |
$43,000 | $116,000 |
| Application Withdrawn By Applicant |
89 | $9,925,000 |
$111,000 | $500,000 |
$39,000 | $739,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,058 | $105,196,000 |
$456,333 | $1,198,000 |
$25,666 | $825,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
3 | $289,000 |
$96,000 | $134,000 |
$28,000 | $42,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $1,215,000 |
$75,000 | $129,000 |
$54,000 | $116,000 |
| Debt-To-Income Ratio |
10 | $1,498,000 |
$149,000 | $390,000 |
$33,000 | $97,000 |
| Employment History |
1 | $56,000 |
$56,000 | $56,000 |
$30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $181,000 |
$90,000 | $120,000 |
$43,000 | $53,000 |
| 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 GUARANTY BANK by:
Metropolitan Area And
County
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