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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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NORTH STAR BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH STAR BANK |
| Address | 1820 N. LEXINGTON AVE
ROSEVILLE, MN 55113 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 125 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,076,000 |
| Average Mortgage Loan Amount Applied For | $161,857 |
| Highest Mortgage Loan Amount Applied For | $975,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $619,000 |
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| Home Improvement |
45 | $2,526,000 |
$56,000 | $199,000 |
$105,000 | $619,000 |
| Home Purchase |
16 | $3,996,000 |
$249,000 | $546,000 |
$120,000 | $272,000 |
| Refinancing |
68 | $7,735,000 |
$113,000 | $975,000 |
$79,000 | $353,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $748,000 |
$249,000 | $546,000 |
$178,000 | $203,000 |
| Black or African American |
3 | $323,000 |
$107,000 | $150,000 |
$134,000 | $260,000 |
| Hispanic |
2 | $238,000 |
$119,000 | $212,000 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $975,000 |
$975,000 | $975,000 |
$0 | $0 |
| Not Provided |
2 | $152,000 |
$76,000 | $125,000 |
$190,000 | $275,000 |
| White |
118 | $11,821,000 |
$100,000 | $770,000 |
$91,000 | $619,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
129 | $14,257,000 |
$110,000 | $975,000 |
$93,000 | $619,000 |
| 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 |
4 | $489,000 |
$122,000 | $310,000 |
$57,000 | $97,000 |
| Application Denied By Financial Institution |
7 | $672,000 |
$96,000 | $230,000 |
$80,000 | $177,000 |
| Application Withdrawn By Applicant |
7 | $940,000 |
$134,000 | $325,000 |
$80,000 | $254,000 |
| File Closed For Incompleteness |
2 | $330,000 |
$165,000 | $180,000 |
$59,000 | $81,000 |
| Loan Originated |
109 | $11,826,000 |
$108,000 | $975,000 |
$97,000 | $619,000 |
| 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 |
1 | $59,000 |
$59,000 | $59,000 |
$52,000 | $52,000 |
| Debt-To-Income Ratio |
4 | $440,000 |
$110,000 | $230,000 |
$91,000 | $177,000 |
| 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 |
2 | $173,000 |
$86,000 | $138,000 |
$72,000 | $72,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NORTH STAR BANK by:
Metropolitan Area And
County
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