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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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RAYNE STATE BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
RAYNE STATE BANK & TRUST CO |
| Address | P O BOX 129
RAYNE, LA 70578-0129 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 105 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,490,000 |
| Average Mortgage Loan Amount Applied For | $53,500 |
| Highest Mortgage Loan Amount Applied For | $1,567,000 |
| Average Applicant Income | $88,250 |
| Highest Applicant Income | $710,000 |
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| Home Improvement |
18 | $567,000 |
$31,000 | $125,000 |
$79,000 | $260,000 |
| Home Purchase |
29 | $1,618,000 |
$55,000 | $180,000 |
$61,000 | $288,000 |
| Refinancing |
59 | $7,324,000 |
$124,000 | $1,567,000 |
$59,000 | $710,000 |
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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 |
5 | $106,000 |
$21,000 | $31,000 |
$39,000 | $80,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $4,007,000 |
$286,000 | $1,200,000 |
$8,000 | $112,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
87 | $5,396,000 |
$62,000 | $1,567,000 |
$74,000 | $710,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
106 | $9,509,000 |
$89,000 | $1,567,000 |
$63,000 | $710,000 |
| 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 |
8 | $213,000 |
$26,000 | $53,000 |
$37,000 | $91,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
98 | $9,296,000 |
$94,000 | $1,567,000 |
$65,000 | $710,000 |
| 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 | $20,000 |
$20,000 | $20,000 |
$63,000 | $63,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $135,000 |
$27,000 | $53,000 |
$37,000 | $91,000 |
| Debt-To-Income Ratio |
1 | $39,000 |
$39,000 | $39,000 |
$46,000 | $46,000 |
| 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 RAYNE STATE BANK & TRUST CO by:
Metropolitan Area And
County
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