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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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KEY COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KEY COMMUNITY BANK |
| Address | 5684 BISHOP AVENUE
INVER GROVE HEIGHTS, MN 55076 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 171 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $51,133,000 |
| Average Mortgage Loan Amount Applied For | $302,000 |
| Highest Mortgage Loan Amount Applied For | $1,920,000 |
| Average Applicant Income | $104,562 |
| Highest Applicant Income | $336,000 |
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| Home Improvement |
6 | $393,000 |
$65,000 | $187,000 |
$90,000 | $266,000 |
| Home Purchase |
175 | $52,526,000 |
$300,000 | $1,920,000 |
$98,000 | $332,000 |
| Refinancing |
29 | $7,503,000 |
$258,000 | $749,000 |
$94,000 | $336,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
7 | $2,766,000 |
$395,000 | $784,000 |
$108,000 | $180,000 |
| Black or African American |
3 | $576,000 |
$192,000 | $320,000 |
$92,000 | $122,000 |
| Hispanic |
1 | $120,000 |
$120,000 | $120,000 |
$41,000 | $41,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $288,000 |
$288,000 | $288,000 |
$60,000 | $60,000 |
| Not applicable |
2 | $646,000 |
$323,000 | $471,000 |
$0 | $0 |
| Not Provided |
3 | $427,000 |
$142,000 | $248,000 |
$47,000 | $100,000 |
| White |
193 | $55,599,000 |
$288,000 | $1,920,000 |
$99,000 | $336,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
210 | $60,422,000 |
$287,000 | $1,920,000 |
$97,000 | $336,000 |
| 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 |
55 | $14,966,000 |
$272,000 | $700,000 |
$102,000 | $186,000 |
| Application Denied By Financial Institution |
51 | $17,084,000 |
$334,000 | $1,920,000 |
$91,000 | $336,000 |
| Application Withdrawn By Applicant |
1 | $223,000 |
$223,000 | $223,000 |
$47,000 | $47,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
103 | $28,149,000 |
$273,000 | $784,000 |
$98,000 | $332,000 |
| 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 | $765,000 |
$255,000 | $390,000 |
$90,000 | $120,000 |
| Credit Application Incomplete |
1 | $460,000 |
$460,000 | $460,000 |
$240,000 | $240,000 |
| Credit History |
10 | $2,454,000 |
$245,000 | $635,000 |
$100,000 | $300,000 |
| Debt-To-Income Ratio |
35 | $12,652,000 |
$361,000 | $1,920,000 |
$83,000 | $336,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $753,000 |
$376,000 | $382,000 |
$126,000 | $160,000 |
| 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 KEY COMMUNITY BANK by:
Metropolitan Area And
County
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