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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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OWEN COUNTY STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
OWEN COUNTY STATE BANK |
| Address | 201 W. MORGAN STREET
SPENCER, IN 47460 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 176 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,217,000 |
| Average Mortgage Loan Amount Applied For | $92,857 |
| Highest Mortgage Loan Amount Applied For | $1,350,000 |
| Average Applicant Income | $66,428 |
| Highest Applicant Income | $240,000 |
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| Home Improvement |
8 | $240,000 |
$30,000 | $101,000 |
$77,000 | $141,000 |
| Home Purchase |
78 | $5,751,000 |
$73,000 | $270,000 |
$54,000 | $192,000 |
| Refinancing |
90 | $8,226,000 |
$91,000 | $1,350,000 |
$56,000 | $240,000 |
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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 | $198,000 |
$99,000 | $158,000 |
$98,000 | $143,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $1,477,000 |
$492,000 | $1,350,000 |
$0 | $0 |
| Not Provided |
4 | $313,000 |
$78,000 | $88,000 |
$71,000 | $89,000 |
| White |
167 | $12,229,000 |
$73,000 | $325,000 |
$56,000 | $240,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
176 | $14,217,000 |
$80,000 | $1,350,000 |
$56,000 | $240,000 |
| 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 |
12 | $867,000 |
$72,000 | $139,000 |
$48,000 | $143,000 |
| Application Denied By Financial Institution |
42 | $2,840,000 |
$67,000 | $215,000 |
$46,000 | $132,000 |
| Application Withdrawn By Applicant |
7 | $475,000 |
$67,000 | $105,000 |
$55,000 | $97,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
115 | $10,035,000 |
$87,000 | $1,350,000 |
$61,000 | $240,000 |
| 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 |
3 | $242,000 |
$80,000 | $150,000 |
$51,000 | $66,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
29 | $1,959,000 |
$67,000 | $215,000 |
$49,000 | $132,000 |
| Debt-To-Income Ratio |
9 | $605,000 |
$67,000 | $140,000 |
$33,000 | $82,000 |
| Employment History |
1 | $34,000 |
$34,000 | $34,000 |
$46,000 | $46,000 |
| 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 OWEN COUNTY STATE BANK by:
Metropolitan Area And
County
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