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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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RIVER FALLS STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
RIVER FALLS STATE BANK |
| Address | 124 SOUTH SECOND STREET
RIVER FALLS, WI 54022 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 106 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,814,000 |
| Average Mortgage Loan Amount Applied For | $73,666 |
| Highest Mortgage Loan Amount Applied For | $275,000 |
| Average Applicant Income | $124,833 |
| Highest Applicant Income | $392,000 |
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| Home Improvement |
29 | $1,553,000 |
$53,000 | $209,000 |
$59,000 | $132,000 |
| Home Purchase |
24 | $3,097,000 |
$129,000 | $275,000 |
$86,000 | $392,000 |
| Refinancing |
53 | $3,164,000 |
$59,000 | $234,000 |
$56,000 | $260,000 |
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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 |
2 | $171,000 |
$85,000 | $150,000 |
$44,000 | $88,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
104 | $7,643,000 |
$73,000 | $275,000 |
$64,000 | $392,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
106 | $7,814,000 |
$73,000 | $275,000 |
$63,000 | $392,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
2 | $297,000 |
$148,000 | $157,000 |
$38,000 | $48,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
103 | $7,422,000 |
$72,000 | $275,000 |
$64,000 | $392,000 |
| 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 | $95,000 |
$95,000 | $95,000 |
$27,000 | $27,000 |
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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 |
1 | $95,000 |
$95,000 | $95,000 |
$27,000 | $27,000 |
| 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 RIVER FALLS STATE BANK by:
Metropolitan Area And
County
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