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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 TRUST & SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES TRUST & SAVINGS BANK |
| Address | 116 W STATE ST
JEFFERSON, IA 50129 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 206 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,308,000 |
| Average Mortgage Loan Amount Applied For | $128,380 |
| Highest Mortgage Loan Amount Applied For | $760,000 |
| Average Applicant Income | $83,619 |
| Highest Applicant Income | $288,000 |
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| Home Improvement |
36 | $1,043,000 |
$28,000 | $175,000 |
$56,000 | $155,000 |
| Home Purchase |
77 | $6,411,000 |
$83,000 | $760,000 |
$57,000 | $288,000 |
| Refinancing |
93 | $5,854,000 |
$62,000 | $500,000 |
$63,000 | $245,000 |
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| American Indian or Alaskan Native |
2 | $41,000 |
$20,000 | $24,000 |
$45,000 | $59,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $7,000 |
$7,000 | $7,000 |
$58,000 | $58,000 |
| Hispanic |
8 | $326,000 |
$40,000 | $132,000 |
$49,000 | $90,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $1,320,000 |
$120,000 | $760,000 |
$23,000 | $262,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
184 | $11,614,000 |
$63,000 | $500,000 |
$63,000 | $288,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
206 | $13,308,000 |
$64,000 | $760,000 |
$60,000 | $288,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
20 | $1,023,000 |
$51,000 | $173,000 |
$35,000 | $91,000 |
| Application Withdrawn By Applicant |
4 | $302,000 |
$75,000 | $115,000 |
$53,000 | $61,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
182 | $11,983,000 |
$65,000 | $760,000 |
$63,000 | $288,000 |
| 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 |
1 | $173,000 |
$173,000 | $173,000 |
$91,000 | $91,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $78,000 |
$26,000 | $50,000 |
$42,000 | $71,000 |
| Debt-To-Income Ratio |
2 | $64,000 |
$32,000 | $42,000 |
$32,000 | $50,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PEOPLES TRUST & SAVINGS BANK by:
Metropolitan Area And
County
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