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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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PANORA STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PANORA STATE BANK |
| Address | 120 E. MAIN, PO BOX 9
PANORA, IA 50216 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 77 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,806,000 |
| Average Mortgage Loan Amount Applied For | $77,000 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $136,000 |
| Highest Applicant Income | $1,500,000 |
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| Home Improvement |
23 | $437,000 |
$19,000 | $80,000 |
$65,000 | $180,000 |
| Home Purchase |
20 | $2,377,000 |
$118,000 | $300,000 |
$148,000 | $1,500,000 |
| Refinancing |
35 | $4,043,000 |
$115,000 | $600,000 |
$70,000 | $400,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $1,511,000 |
$251,000 | $600,000 |
$0 | $0 |
| Not Provided |
1 | $4,000 |
$4,000 | $4,000 |
$14,000 | $14,000 |
| White |
71 | $5,342,000 |
$75,000 | $330,000 |
$97,000 | $1,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
78 | $6,857,000 |
$87,000 | $600,000 |
$89,000 | $1,500,000 |
| 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 |
1 | $4,000 |
$4,000 | $4,000 |
$14,000 | $14,000 |
| Application Denied By Financial Institution |
4 | $228,000 |
$57,000 | $136,000 |
$31,000 | $60,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
72 | $6,574,000 |
$91,000 | $600,000 |
$93,000 | $1,500,000 |
| 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 |
1 | $51,000 |
$51,000 | $51,000 |
$68,000 | $68,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PANORA STATE BANK by:
Metropolitan Area And
County
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