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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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LINDELL BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
LINDELL BANK AND TRUST |
| Address | 5500 MEXICO ROAD
ST. PETERS, MO 63376 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 74 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $8,418,000 |
| Average Mortgage Loan Amount Applied For | $125,750 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $456,000 |
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| Home Improvement |
7 | $299,000 |
$42,000 | $156,000 |
$30,000 | $82,000 |
| Home Purchase |
32 | $4,699,000 |
$146,000 | $1,200,000 |
$81,000 | $456,000 |
| Refinancing |
39 | $3,683,000 |
$94,000 | $361,000 |
$52,000 | $250,000 |
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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 |
3 | $221,000 |
$73,000 | $121,000 |
$125,000 | $168,000 |
| Hispanic |
1 | $85,000 |
$85,000 | $85,000 |
$124,000 | $124,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
30 | $2,309,000 |
$76,000 | $287,000 |
$0 | $0 |
| Not Provided |
4 | $521,000 |
$130,000 | $248,000 |
$56,000 | $118,000 |
| White |
40 | $5,545,000 |
$138,000 | $1,200,000 |
$103,000 | $456,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
78 | $8,681,000 |
$111,000 | $1,200,000 |
$62,000 | $456,000 |
| 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 |
11 | $1,344,000 |
$122,000 | $380,000 |
$68,000 | $197,000 |
| Application Withdrawn By Applicant |
9 | $1,570,000 |
$174,000 | $270,000 |
$56,000 | $118,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
58 | $5,767,000 |
$99,000 | $1,200,000 |
$62,000 | $456,000 |
| 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 |
5 | $677,000 |
$135,000 | $380,000 |
$103,000 | $197,000 |
| Debt-To-Income Ratio |
5 | $567,000 |
$113,000 | $245,000 |
$42,000 | $62,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LINDELL BANK AND TRUST by:
Metropolitan Area And
County
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