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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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HEBER SPRINGS STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HEBER SPRINGS STATE BANK |
| Address | 122 WEST MAIN STREET, P.O. BOX 1030
HEBER SPRINGS, AR 72543 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 5 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $442,000 |
| Average Mortgage Loan Amount Applied For | $107,000 |
| Highest Mortgage Loan Amount Applied For | $202,000 |
| Average Applicant Income | $88,500 |
| Highest Applicant Income | $138,000 |
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| Home Improvement |
15 | $932,000 |
$62,000 | $175,000 |
$51,000 | $128,000 |
| Home Purchase |
45 | $3,886,000 |
$86,000 | $275,000 |
$60,000 | $208,000 |
| Refinancing |
14 | $1,382,000 |
$98,000 | $450,000 |
$44,000 | $102,000 |
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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 |
3 | $473,000 |
$157,000 | $202,000 |
$107,000 | $138,000 |
| Not Provided |
2 | $186,000 |
$93,000 | $136,000 |
$41,000 | $55,000 |
| White |
69 | $5,541,000 |
$80,000 | $450,000 |
$54,000 | $208,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
70 | $5,834,000 |
$83,000 | $450,000 |
$57,000 | $208,000 |
| FHA-insured (Federal Housing Administration) |
4 | $366,000 |
$91,000 | $126,000 |
$36,000 | $57,000 |
| 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 |
5 | $824,000 |
$164,000 | $252,000 |
$64,000 | $83,000 |
| Application Denied By Financial Institution |
11 | $749,000 |
$68,000 | $188,000 |
$32,000 | $57,000 |
| Application Withdrawn By Applicant |
9 | $844,000 |
$93,000 | $275,000 |
$62,000 | $95,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
49 | $3,783,000 |
$77,000 | $450,000 |
$59,000 | $208,000 |
| 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 |
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 HEBER SPRINGS STATE BANK by:
Metropolitan Area And
County
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