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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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MONTGOMERY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
MONTGOMERY BANK |
| Address | PO BOX 948
SIKESTON, MO 63801 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,246 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $171,475,000 |
| Average Mortgage Loan Amount Applied For | $165,991 |
| Highest Mortgage Loan Amount Applied For | $3,608,000 |
| Average Applicant Income | $69,478 |
| Highest Applicant Income | $3,600,000 |
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| Home Improvement |
319 | $4,854,000 |
$15,000 | $660,000 |
$6,000 | $398,000 |
| Home Purchase |
546 | $102,372,000 |
$187,000 | $3,608,000 |
$34,000 | $3,600,000 |
| Refinancing |
381 | $64,249,000 |
$168,000 | $1,275,000 |
$25,000 | $358,000 |
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| American Indian or Alaskan Native |
1 | $56,000 |
$56,000 | $56,000 |
$78,000 | $78,000 |
| Asian |
3 | $478,000 |
$159,000 | $325,000 |
$35,000 | $44,000 |
| Black or African American |
13 | $1,146,000 |
$88,000 | $297,000 |
$43,000 | $97,000 |
| Hispanic |
5 | $236,000 |
$47,000 | $67,000 |
$28,000 | $37,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $42,000 |
$42,000 | $42,000 |
$130,000 | $130,000 |
| Not applicable |
951 | $129,368,000 |
$136,000 | $3,560,000 |
$0 | $398,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
272 | $40,149,000 |
$147,000 | $3,608,000 |
$106,000 | $3,600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,246 | $171,475,000 |
$137,000 | $3,608,000 |
$24,000 | $3,600,000 |
| 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 |
25 | $3,601,000 |
$144,000 | $466,000 |
$76,000 | $398,000 |
| Application Denied By Financial Institution |
45 | $4,748,000 |
$105,000 | $600,000 |
$42,000 | $124,000 |
| Application Withdrawn By Applicant |
6 | $2,541,000 |
$423,000 | $1,400,000 |
$108,000 | $212,000 |
| File Closed For Incompleteness |
1 | $100,000 |
$100,000 | $100,000 |
$48,000 | $48,000 |
| Loan Originated |
288 | $50,266,000 |
$174,000 | $3,608,000 |
$90,000 | $3,600,000 |
| Loan Purchased By The Institution |
881 | $110,219,000 |
$125,000 | $1,275,000 |
$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 | $35,000 |
$35,000 | $35,000 |
$89,000 | $89,000 |
| Credit Application Incomplete |
2 | $75,000 |
$37,000 | $40,000 |
$22,000 | $25,000 |
| Credit History |
33 | $2,693,000 |
$81,000 | $230,000 |
$42,000 | $124,000 |
| Debt-To-Income Ratio |
5 | $1,131,000 |
$226,000 | $325,000 |
$51,000 | $96,000 |
| Employment History |
1 | $65,000 |
$65,000 | $65,000 |
$49,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $75,000 |
$75,000 | $75,000 |
$36,000 | $36,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $74,000 |
$74,000 | $74,000 |
$34,000 | $34,000 |
| Unverifiable Information |
1 | $600,000 |
$600,000 | $600,000 |
$0 | $0 |
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Mortgage Loan App Totals for MONTGOMERY BANK by:
Metropolitan Area And
County
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