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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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KEARNEY COMMERCIAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KEARNEY COMMERCIAL BANK |
| Address | PO BOX 888
KEARNEY, MO 64060 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 349 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,645,000 |
| Average Mortgage Loan Amount Applied For | $113,941 |
| Highest Mortgage Loan Amount Applied For | $935,000 |
| Average Applicant Income | $44,117 |
| Highest Applicant Income | $435,000 |
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| Home Improvement |
29 | $1,559,000 |
$53,000 | $352,000 |
$28,000 | $164,000 |
| Home Purchase |
166 | $23,388,000 |
$140,000 | $935,000 |
$54,000 | $376,000 |
| Refinancing |
154 | $21,698,000 |
$140,000 | $564,000 |
$56,000 | $435,000 |
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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 | $39,000 |
$19,000 | $28,000 |
$0 | $0 |
| Hispanic |
4 | $1,412,000 |
$353,000 | $432,000 |
$121,000 | $142,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
86 | $11,587,000 |
$134,000 | $640,000 |
$32,000 | $435,000 |
| Not Provided |
1 | $175,000 |
$175,000 | $175,000 |
$0 | $0 |
| White |
256 | $33,432,000 |
$130,000 | $935,000 |
$59,000 | $330,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
347 | $46,299,000 |
$133,000 | $935,000 |
$52,000 | $435,000 |
| 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) |
2 | $346,000 |
$173,000 | $177,000 |
$91,000 | $115,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
12 | $1,226,000 |
$102,000 | $196,000 |
$50,000 | $90,000 |
| Application Withdrawn By Applicant |
29 | $5,798,000 |
$199,000 | $564,000 |
$76,000 | $180,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
308 | $39,621,000 |
$128,000 | $935,000 |
$51,000 | $435,000 |
| 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 |
6 | $488,000 |
$81,000 | $183,000 |
$41,000 | $89,000 |
| Debt-To-Income Ratio |
5 | $542,000 |
$108,000 | $145,000 |
$72,000 | $90,000 |
| 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 |
1 | $196,000 |
$196,000 | $196,000 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for KEARNEY COMMERCIAL BANK by:
Metropolitan Area And
County
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