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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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PANHANDLE STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PANHANDLE STATE BANK |
| Address | PO BOX 2559
COEUR D'ALENE, ID 83816 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,244 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $203,878,000 |
| Average Mortgage Loan Amount Applied For | $156,068 |
| Highest Mortgage Loan Amount Applied For | $1,355,000 |
| Average Applicant Income | $116,500 |
| Highest Applicant Income | $1,244,000 |
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| Home Improvement |
74 | $2,526,000 |
$34,000 | $124,000 |
$55,000 | $270,000 |
| Home Purchase |
475 | $68,504,000 |
$144,000 | $1,100,000 |
$93,000 | $1,236,000 |
| Refinancing |
695 | $132,848,000 |
$191,000 | $1,355,000 |
$104,000 | $1,244,000 |
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| American Indian or Alaskan Native |
8 | $810,000 |
$101,000 | $184,000 |
$68,000 | $138,000 |
| Asian |
9 | $1,991,000 |
$221,000 | $760,000 |
$82,000 | $172,000 |
| Black or African American |
19 | $2,547,000 |
$134,000 | $148,000 |
$218,000 | $480,000 |
| Hispanic |
70 | $7,519,000 |
$107,000 | $499,000 |
$55,000 | $229,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $170,000 |
$85,000 | $106,000 |
$95,000 | $120,000 |
| Not applicable |
9 | $1,228,000 |
$136,000 | $200,000 |
$39,000 | $353,000 |
| Not Provided |
36 | $8,532,000 |
$237,000 | $1,000,000 |
$126,000 | $530,000 |
| White |
1,091 | $181,081,000 |
$165,000 | $1,355,000 |
$97,000 | $1,244,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,211 | $199,737,000 |
$164,000 | $1,355,000 |
$98,000 | $1,244,000 |
| FHA-insured (Federal Housing Administration) |
3 | $472,000 |
$157,000 | $193,000 |
$43,000 | $49,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
21 | $1,860,000 |
$88,000 | $185,000 |
$32,000 | $59,000 |
| VA-guaranteed (Veterans Administration) |
9 | $1,809,000 |
$201,000 | $258,000 |
$61,000 | $131,000 |
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| Application Approved But Not Accepted |
199 | $45,703,000 |
$229,000 | $1,355,000 |
$111,000 | $744,000 |
| Application Denied By Financial Institution |
125 | $18,655,000 |
$149,000 | $1,000,000 |
$106,000 | $516,000 |
| Application Withdrawn By Applicant |
215 | $38,988,000 |
$181,000 | $1,200,000 |
$95,000 | $619,000 |
| File Closed For Incompleteness |
4 | $873,000 |
$218,000 | $648,000 |
$32,000 | $51,000 |
| Loan Originated |
700 | $99,617,000 |
$142,000 | $1,100,000 |
$92,000 | $1,244,000 |
| Loan Purchased By The Institution |
1 | $42,000 |
$42,000 | $42,000 |
$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 |
18 | $4,573,000 |
$254,000 | $1,000,000 |
$116,000 | $440,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
59 | $7,554,000 |
$128,000 | $650,000 |
$140,000 | $516,000 |
| Debt-To-Income Ratio |
17 | $1,516,000 |
$89,000 | $235,000 |
$68,000 | $230,000 |
| Employment History |
4 | $856,000 |
$214,000 | $419,000 |
$61,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $260,000 |
$130,000 | $171,000 |
$47,000 | $57,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
16 | $2,494,000 |
$155,000 | $400,000 |
$59,000 | $142,000 |
| Unverifiable Information |
2 | $310,000 |
$155,000 | $175,000 |
$42,000 | $48,000 |
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Mortgage Loan App Totals for PANHANDLE STATE BANK by:
Metropolitan Area And
County
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