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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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HOME BANK & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME BANK & TRUST CO. |
| Address | PO BOX 620 - 217 N MAIN
EUREKA, KS 67045 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 45 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,250,000 |
| Average Mortgage Loan Amount Applied For | $100,000 |
| Highest Mortgage Loan Amount Applied For | $332,000 |
| Average Applicant Income | $61,750 |
| Highest Applicant Income | $135,000 |
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| Home Improvement |
16 | $348,000 |
$21,000 | $126,000 |
$63,000 | $114,000 |
| Home Purchase |
30 | $2,638,000 |
$87,000 | $470,000 |
$58,000 | $135,000 |
| Refinancing |
26 | $1,567,000 |
$60,000 | $213,000 |
$66,000 | $195,000 |
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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 |
2 | $286,000 |
$143,000 | $195,000 |
$36,000 | $36,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
70 | $4,267,000 |
$60,000 | $470,000 |
$63,000 | $195,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
72 | $4,553,000 |
$63,000 | $470,000 |
$62,000 | $195,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 | $1,744,000 |
$109,000 | $332,000 |
$55,000 | $116,000 |
| Application Withdrawn By Applicant |
6 | $584,000 |
$97,000 | $195,000 |
$42,000 | $84,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
50 | $2,225,000 |
$44,000 | $470,000 |
$66,000 | $195,000 |
| 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 | $425,000 |
$106,000 | $188,000 |
$61,000 | $78,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $390,000 |
$65,000 | $158,000 |
$54,000 | $81,000 |
| Debt-To-Income Ratio |
1 | $160,000 |
$160,000 | $160,000 |
$49,000 | $49,000 |
| Employment History |
3 | $349,000 |
$116,000 | $126,000 |
$68,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $332,000 |
$332,000 | $332,000 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HOME BANK & TRUST CO. by:
Metropolitan Area And
County
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