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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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MARTINSBURG BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
MARTINSBURG BANK & TRUST |
| Address | 107 W. KELLETT PO BOX 66
MARTINSBURG, MO 65264 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 68 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,825,000 |
| Average Mortgage Loan Amount Applied For | $70,000 |
| Highest Mortgage Loan Amount Applied For | $670,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,190,000 |
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| Home Improvement |
44 | $761,000 |
$17,000 | $100,000 |
$47,000 | $202,000 |
| Home Purchase |
107 | $8,042,000 |
$75,000 | $670,000 |
$61,000 | $464,000 |
| Refinancing |
56 | $5,936,000 |
$106,000 | $650,000 |
$87,000 | $1,190,000 |
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| American Indian or Alaskan Native |
1 | $22,000 |
$22,000 | $22,000 |
$19,000 | $19,000 |
| Asian |
6 | $134,000 |
$22,000 | $53,000 |
$65,000 | $89,000 |
| Black or African American |
5 | $155,000 |
$31,000 | $112,000 |
$33,000 | $53,000 |
| Hispanic |
1 | $125,000 |
$125,000 | $125,000 |
$42,000 | $42,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $1,033,000 |
$147,000 | $670,000 |
$264,000 | $1,190,000 |
| Not Provided |
7 | $290,000 |
$41,000 | $90,000 |
$28,000 | $48,000 |
| White |
180 | $12,980,000 |
$72,000 | $650,000 |
$60,000 | $464,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
207 | $14,739,000 |
$71,000 | $670,000 |
$65,000 | $1,190,000 |
| 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 |
39 | $3,209,000 |
$82,000 | $650,000 |
$40,000 | $86,000 |
| Application Withdrawn By Applicant |
31 | $2,094,000 |
$67,000 | $216,000 |
$52,000 | $131,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
137 | $9,436,000 |
$68,000 | $670,000 |
$75,000 | $1,190,000 |
| 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 |
1 | $43,000 |
$43,000 | $43,000 |
$34,000 | $34,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
18 | $822,000 |
$45,000 | $185,000 |
$36,000 | $86,000 |
| Debt-To-Income Ratio |
20 | $2,344,000 |
$117,000 | $650,000 |
$45,000 | $84,000 |
| 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 MARTINSBURG BANK & TRUST by:
Metropolitan Area And
County
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