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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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MAIN STREET BANK CORP
Mortgage Loans and Application Details
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| Mortgage Company Name |
MAIN STREET BANK CORP |
| Address | 2001 MAIN STREET
WHEELING, WV 26003 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 262 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $21,495,000 |
| Average Mortgage Loan Amount Applied For | $84,307 |
| Highest Mortgage Loan Amount Applied For | $450,000 |
| Average Applicant Income | $108,076 |
| Highest Applicant Income | $638,000 |
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| Home Improvement |
56 | $1,538,000 |
$27,000 | $175,000 |
$68,000 | $457,000 |
| Home Purchase |
119 | $13,727,000 |
$115,000 | $450,000 |
$69,000 | $435,000 |
| Refinancing |
87 | $6,230,000 |
$71,000 | $312,000 |
$56,000 | $638,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $350,000 |
$350,000 | $350,000 |
$435,000 | $435,000 |
| 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 |
33 | $2,122,000 |
$64,000 | $300,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
228 | $19,023,000 |
$83,000 | $450,000 |
$72,000 | $638,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
262 | $21,495,000 |
$82,000 | $450,000 |
$65,000 | $638,000 |
| 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 |
4 | $276,000 |
$69,000 | $80,000 |
$31,000 | $35,000 |
| Application Withdrawn By Applicant |
3 | $167,000 |
$55,000 | $112,000 |
$46,000 | $57,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
255 | $21,052,000 |
$82,000 | $450,000 |
$65,000 | $638,000 |
| 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 |
1 | $75,000 |
$75,000 | $75,000 |
$33,000 | $33,000 |
| Debt-To-Income Ratio |
3 | $201,000 |
$67,000 | $80,000 |
$31,000 | $35,000 |
| 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 MAIN STREET BANK CORP by:
Metropolitan Area And
County
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