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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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OREGON COMMUNITY BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
OREGON COMMUNITY BANK & TRUST |
| Address | 733 N MAIN ST
OREGON, WI 53575 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 119 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $19,183,000 |
| Average Mortgage Loan Amount Applied For | $181,769 |
| Highest Mortgage Loan Amount Applied For | $1,760,000 |
| Average Applicant Income | $97,846 |
| Highest Applicant Income | $669,000 |
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| Home Improvement |
28 | $1,937,000 |
$69,000 | $202,000 |
$107,000 | $467,000 |
| Home Purchase |
47 | $10,778,000 |
$229,000 | $1,760,000 |
$87,000 | $669,000 |
| Refinancing |
44 | $6,468,000 |
$147,000 | $360,000 |
$99,000 | $310,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $430,000 |
$215,000 | $242,000 |
$20,000 | $41,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $1,758,000 |
$195,000 | $645,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
108 | $16,995,000 |
$157,000 | $1,760,000 |
$105,000 | $669,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
119 | $19,183,000 |
$161,000 | $1,760,000 |
$96,000 | $669,000 |
| 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 | $747,000 |
$149,000 | $220,000 |
$91,000 | $120,000 |
| Application Denied By Financial Institution |
4 | $681,000 |
$170,000 | $331,000 |
$82,000 | $130,000 |
| Application Withdrawn By Applicant |
5 | $726,000 |
$145,000 | $395,000 |
$65,000 | $123,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
105 | $17,029,000 |
$162,000 | $1,760,000 |
$98,000 | $669,000 |
| 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 | $120,000 |
$120,000 | $120,000 |
$130,000 | $130,000 |
| Debt-To-Income Ratio |
2 | $521,000 |
$260,000 | $331,000 |
$67,000 | $77,000 |
| 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 |
1 | $40,000 |
$40,000 | $40,000 |
$65,000 | $65,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for OREGON COMMUNITY BANK & TRUST by:
Metropolitan Area And
County
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