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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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PEOPLES BANK SB
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES BANK SB |
| Address | 9204 COLUMBIA AVENUE
MUNSTER, IN 46321 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 474 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $57,424,000 |
| Average Mortgage Loan Amount Applied For | $183,842 |
| Highest Mortgage Loan Amount Applied For | $1,700,000 |
| Average Applicant Income | $201,421 |
| Highest Applicant Income | $5,970,000 |
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| Home Improvement |
72 | $2,256,000 |
$31,000 | $174,000 |
$61,000 | $255,000 |
| Home Purchase |
324 | $42,270,000 |
$130,000 | $750,000 |
$114,000 | $5,970,000 |
| Refinancing |
147 | $20,323,000 |
$138,000 | $1,700,000 |
$83,000 | $757,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
12 | $2,515,000 |
$209,000 | $499,000 |
$169,000 | $359,000 |
| Black or African American |
69 | $4,818,000 |
$69,000 | $252,000 |
$65,000 | $447,000 |
| Hispanic |
91 | $7,951,000 |
$87,000 | $300,000 |
$53,000 | $198,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $1,837,000 |
$183,000 | $400,000 |
$16,000 | $162,000 |
| Not Provided |
8 | $1,506,000 |
$188,000 | $616,000 |
$199,000 | $531,000 |
| White |
353 | $46,222,000 |
$130,000 | $1,700,000 |
$114,000 | $5,970,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
543 | $64,849,000 |
$119,000 | $1,700,000 |
$98,000 | $5,970,000 |
| 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 |
31 | $3,156,000 |
$101,000 | $478,000 |
$70,000 | $175,000 |
| Application Denied By Financial Institution |
83 | $7,988,000 |
$96,000 | $1,700,000 |
$63,000 | $757,000 |
| Application Withdrawn By Applicant |
24 | $3,552,000 |
$148,000 | $499,000 |
$82,000 | $345,000 |
| File Closed For Incompleteness |
8 | $891,000 |
$111,000 | $246,000 |
$75,000 | $129,000 |
| Loan Originated |
328 | $41,837,000 |
$127,000 | $1,700,000 |
$124,000 | $5,970,000 |
| 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 |
69 | $7,425,000 |
$107,000 | $480,000 |
$41,000 | $200,000 |
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| Collateral |
3 | $134,000 |
$44,000 | $101,000 |
$66,000 | $100,000 |
| Credit Application Incomplete |
5 | $108,000 |
$21,000 | $50,000 |
$47,000 | $84,000 |
| Credit History |
72 | $5,574,000 |
$77,000 | $347,000 |
$52,000 | $194,000 |
| Debt-To-Income Ratio |
49 | $5,587,000 |
$114,000 | $480,000 |
$42,000 | $200,000 |
| Employment History |
3 | $88,000 |
$29,000 | $85,000 |
$37,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
7 | $420,000 |
$60,000 | $160,000 |
$56,000 | $59,000 |
| Mortgage Insurance Denied |
4 | $552,000 |
$138,000 | $252,000 |
$66,000 | $161,000 |
| Other |
8 | $2,650,000 |
$331,000 | $1,700,000 |
$130,000 | $757,000 |
| Unverifiable Information |
1 | $300,000 |
$300,000 | $300,000 |
$0 | $0 |
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Mortgage Loan App Totals for PEOPLES BANK SB by:
Metropolitan Area And
County
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