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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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O'BANNON BANKING COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
O'BANNON BANKING COMPANY |
| Address | PO BOX 890
BUFFALO, MO 65622 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 142 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,244,000 |
| Average Mortgage Loan Amount Applied For | $134,714 |
| Highest Mortgage Loan Amount Applied For | $675,000 |
| Average Applicant Income | $38,142 |
| Highest Applicant Income | $769,000 |
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| Home Improvement |
15 | $972,000 |
$64,000 | $500,000 |
$30,000 | $102,000 |
| Home Purchase |
70 | $5,268,000 |
$75,000 | $415,000 |
$65,000 | $769,000 |
| Refinancing |
57 | $5,004,000 |
$87,000 | $675,000 |
$42,000 | $198,000 |
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| American Indian or Alaskan Native |
1 | $65,000 |
$65,000 | $65,000 |
$27,000 | $27,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $122,000 |
$61,000 | $62,000 |
$26,000 | $26,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $898,000 |
$112,000 | $500,000 |
$0 | $0 |
| Not Provided |
3 | $113,000 |
$37,000 | $65,000 |
$33,000 | $45,000 |
| White |
128 | $10,046,000 |
$78,000 | $675,000 |
$57,000 | $769,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
142 | $11,244,000 |
$79,000 | $675,000 |
$52,000 | $769,000 |
| 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 |
5 | $490,000 |
$98,000 | $355,000 |
$157,000 | $645,000 |
| Application Denied By Financial Institution |
40 | $2,708,000 |
$67,000 | $180,000 |
$28,000 | $93,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
97 | $8,046,000 |
$82,000 | $675,000 |
$57,000 | $769,000 |
| 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 | $72,000 |
$72,000 | $72,000 |
$31,000 | $31,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
22 | $1,512,000 |
$68,000 | $180,000 |
$33,000 | $93,000 |
| Debt-To-Income Ratio |
15 | $1,029,000 |
$68,000 | $150,000 |
$23,000 | $67,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $95,000 |
$47,000 | $65,000 |
$24,000 | $32,000 |
| 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 O'BANNON BANKING COMPANY by:
Metropolitan Area And
County
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