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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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MISSOURI STATE BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
MISSOURI STATE BANK & TRUST CO |
| Address | 3701 SO. LINDBERGH BLVD.
ST. LOUIS, MO 63127 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 277 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $72,270,000 |
| Average Mortgage Loan Amount Applied For | $255,434 |
| Highest Mortgage Loan Amount Applied For | $4,800,000 |
| Average Applicant Income | $112,695 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
21 | $4,282,000 |
$113,000 | $1,200,000 |
$25,666 | $326,000 |
| Home Purchase |
152 | $38,904,000 |
$370,750 | $4,800,000 |
$101,750 | $815,000 |
| Refinancing |
104 | $29,084,000 |
$203,500 | $1,902,000 |
$85,500 | $1,000,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $225,000 |
$75,000 | $140,000 |
$61,000 | $96,000 |
| Black or African American |
7 | $1,337,000 |
$191,000 | $745,000 |
$67,000 | $235,000 |
| Hispanic |
3 | $339,000 |
$113,000 | $166,000 |
$37,000 | $41,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
55 | $21,740,000 |
$318,500 | $4,800,000 |
$0 | $0 |
| Not Provided |
2 | $1,665,000 |
$832,000 | $1,500,000 |
$335,000 | $613,000 |
| White |
207 | $46,964,000 |
$344,666 | $1,500,000 |
$217,666 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
277 | $72,270,000 |
$319,250 | $4,800,000 |
$79,000 | $1,000,000 |
| 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 |
23 | $11,881,000 |
$516,000 | $4,800,000 |
$137,000 | $613,000 |
| Application Denied By Financial Institution |
15 | $3,929,000 |
$245,500 | $1,500,000 |
$104,000 | $275,000 |
| Application Withdrawn By Applicant |
18 | $7,258,000 |
$522,000 | $1,500,000 |
$282,000 | $1,000,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
221 | $49,202,000 |
$300,500 | $1,907,000 |
$36,000 | $815,000 |
| 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 | $103,000 |
$103,000 | $103,000 |
$40,000 | $40,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $2,060,000 |
$350,000 | $1,500,000 |
$144,000 | $275,000 |
| Debt-To-Income Ratio |
6 | $1,671,000 |
$202,000 | $800,000 |
$69,000 | $133,000 |
| 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 | $90,000 |
$90,000 | $90,000 |
$143,000 | $143,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for MISSOURI STATE BANK & TRUST CO by:
Metropolitan Area And
County
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