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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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RCB BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
RCB BANK |
| Address | PO BOX 189
CLAREMORE, OK 74018-0189 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 426 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $25,304,000 |
| Average Mortgage Loan Amount Applied For | $79,722 |
| Highest Mortgage Loan Amount Applied For | $842,000 |
| Average Applicant Income | $47,555 |
| Highest Applicant Income | $310,000 |
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| Home Improvement |
111 | $2,698,000 |
$24,000 | $110,000 |
$52,000 | $134,000 |
| Home Purchase |
163 | $13,685,000 |
$83,000 | $842,000 |
$55,000 | $275,000 |
| Refinancing |
152 | $8,921,000 |
$58,000 | $396,000 |
$57,000 | $310,000 |
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| American Indian or Alaskan Native |
26 | $1,414,000 |
$54,000 | $150,000 |
$50,000 | $121,000 |
| Asian |
3 | $100,000 |
$33,000 | $47,000 |
$45,000 | $58,000 |
| Black or African American |
5 | $279,000 |
$55,000 | $146,000 |
$25,000 | $42,000 |
| Hispanic |
6 | $436,000 |
$72,000 | $172,000 |
$58,000 | $92,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $618,000 |
$88,000 | $328,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
379 | $22,457,000 |
$59,000 | $842,000 |
$57,000 | $310,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
355 | $17,194,000 |
$48,000 | $842,000 |
$56,000 | $310,000 |
| FHA-insured (Federal Housing Administration) |
59 | $6,459,000 |
$109,000 | $188,000 |
$47,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $178,000 |
$178,000 | $178,000 |
$72,000 | $72,000 |
| VA-guaranteed (Veterans Administration) |
11 | $1,473,000 |
$133,000 | $212,000 |
$57,000 | $91,000 |
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| Application Approved But Not Accepted |
24 | $1,378,000 |
$57,000 | $260,000 |
$63,000 | $156,000 |
| Application Denied By Financial Institution |
61 | $2,675,000 |
$43,000 | $277,000 |
$43,000 | $275,000 |
| Application Withdrawn By Applicant |
1 | $25,000 |
$25,000 | $25,000 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
340 | $21,226,000 |
$62,000 | $842,000 |
$57,000 | $310,000 |
| 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 |
9 | $200,000 |
$22,000 | $50,000 |
$35,000 | $62,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
31 | $1,431,000 |
$46,000 | $150,000 |
$52,000 | $275,000 |
| Debt-To-Income Ratio |
14 | $856,000 |
$61,000 | $277,000 |
$37,000 | $89,000 |
| Employment History |
7 | $188,000 |
$26,000 | $70,000 |
$27,000 | $47,000 |
| 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 RCB BANK by:
Metropolitan Area And
County
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