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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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MOUNTAIN STATES BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
MOUNTAIN STATES BANK |
| Address | 928 GRAND BLVD. 7TH FLOOR
KANSAS CITY, MO 64106 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 51 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,633,000 |
| Average Mortgage Loan Amount Applied For | $236,555 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $97,444 |
| Highest Applicant Income | $420,000 |
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| Home Improvement |
15 | $1,404,000 |
$93,000 | $300,000 |
$54,000 | $360,000 |
| Home Purchase |
13 | $3,752,000 |
$288,000 | $610,000 |
$57,000 | $150,000 |
| Refinancing |
26 | $7,582,000 |
$291,000 | $1,500,000 |
$147,000 | $501,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $234,000 |
$234,000 | $234,000 |
$110,000 | $110,000 |
| Black or African American |
6 | $295,000 |
$49,000 | $130,000 |
$43,000 | $109,000 |
| Hispanic |
5 | $1,392,000 |
$278,000 | $750,000 |
$239,000 | $501,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $3,006,000 |
$375,000 | $857,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
34 | $7,811,000 |
$229,000 | $1,500,000 |
$112,000 | $360,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
54 | $12,738,000 |
$235,000 | $1,500,000 |
$99,000 | $501,000 |
| 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 |
2 | $778,000 |
$389,000 | $462,000 |
$0 | $0 |
| Application Withdrawn By Applicant |
2 | $233,000 |
$116,000 | $205,000 |
$162,000 | $292,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
50 | $11,727,000 |
$234,000 | $1,500,000 |
$101,000 | $501,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
1 | $316,000 |
$316,000 | $316,000 |
$0 | $0 |
| 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 MOUNTAIN STATES BANK by:
Metropolitan Area And
County
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