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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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MORRILL & JANES BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
MORRILL & JANES BANK AND TRUST |
| Address | 6740 ANTIOCH ROAD
MERRIAM, KS 66204 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 312 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,132,000 |
| Average Mortgage Loan Amount Applied For | $109,315 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $66,131 |
| Highest Applicant Income | $396,000 |
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| Home Improvement |
34 | $948,000 |
$27,000 | $208,000 |
$49,000 | $160,000 |
| Home Purchase |
139 | $11,338,000 |
$81,000 | $401,000 |
$56,000 | $396,000 |
| Refinancing |
140 | $11,986,000 |
$85,000 | $500,000 |
$75,000 | $329,000 |
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| American Indian or Alaskan Native |
3 | $59,000 |
$19,000 | $31,000 |
$17,000 | $27,000 |
| Asian |
1 | $240,000 |
$240,000 | $240,000 |
$100,000 | $100,000 |
| Black or African American |
1 | $26,000 |
$26,000 | $26,000 |
$46,000 | $46,000 |
| Hispanic |
8 | $589,000 |
$73,000 | $160,000 |
$67,000 | $260,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $61,000 |
$20,000 | $26,000 |
$26,000 | $39,000 |
| Not Provided |
4 | $712,000 |
$178,000 | $250,000 |
$34,000 | $81,000 |
| White |
293 | $22,585,000 |
$77,000 | $500,000 |
$65,000 | $396,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
285 | $22,073,000 |
$77,000 | $500,000 |
$67,000 | $396,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
28 | $2,199,000 |
$78,000 | $215,000 |
$34,000 | $69,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
17 | $2,889,000 |
$169,000 | $500,000 |
$96,000 | $170,000 |
| Application Denied By Financial Institution |
33 | $2,319,000 |
$70,000 | $450,000 |
$39,000 | $113,000 |
| Application Withdrawn By Applicant |
13 | $1,152,000 |
$88,000 | $218,000 |
$55,000 | $141,000 |
| File Closed For Incompleteness |
16 | $2,431,000 |
$151,000 | $278,000 |
$60,000 | $120,000 |
| Loan Originated |
233 | $15,341,000 |
$65,000 | $417,000 |
$66,000 | $396,000 |
| 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 |
1 | $140,000 |
$140,000 | $140,000 |
$41,000 | $41,000 |
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| Collateral |
2 | $116,000 |
$58,000 | $108,000 |
$50,000 | $56,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
22 | $1,531,000 |
$69,000 | $450,000 |
$38,000 | $86,000 |
| Debt-To-Income Ratio |
8 | $584,000 |
$73,000 | $140,000 |
$33,000 | $79,000 |
| Employment History |
1 | $68,000 |
$68,000 | $68,000 |
$30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $160,000 |
$160,000 | $160,000 |
$113,000 | $113,000 |
| 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 MORRILL & JANES BANK AND TRUST by:
Metropolitan Area And
County
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