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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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ROLLING HILLS BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
ROLLING HILLS BANK & TRUST |
| Address | 1307 EAST 7TH STREET
ATLANTIC, IA 50022 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 119 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,796,000 |
| Average Mortgage Loan Amount Applied For | $89,125 |
| Highest Mortgage Loan Amount Applied For | $850,000 |
| Average Applicant Income | $139,000 |
| Highest Applicant Income | $1,951,000 |
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| Home Improvement |
16 | $383,000 |
$23,000 | $63,000 |
$47,000 | $76,000 |
| Home Purchase |
30 | $1,507,000 |
$50,000 | $175,000 |
$47,000 | $90,000 |
| Refinancing |
73 | $5,906,000 |
$80,000 | $850,000 |
$159,000 | $1,951,000 |
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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 |
6 | $1,761,000 |
$293,000 | $850,000 |
$1,000,000 | $1,951,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
113 | $6,035,000 |
$53,000 | $500,000 |
$69,000 | $609,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
118 | $7,446,000 |
$63,000 | $850,000 |
$116,000 | $1,951,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $350,000 |
$350,000 | $350,000 |
$84,000 | $84,000 |
| 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 |
5 | $265,000 |
$53,000 | $85,000 |
$37,000 | $54,000 |
| Application Withdrawn By Applicant |
4 | $303,000 |
$75,000 | $89,000 |
$50,000 | $70,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
110 | $7,228,000 |
$65,000 | $850,000 |
$122,000 | $1,951,000 |
| 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 | $85,000 |
$85,000 | $85,000 |
$51,000 | $51,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $94,000 |
$47,000 | $79,000 |
$27,000 | $34,000 |
| Debt-To-Income Ratio |
1 | $35,000 |
$35,000 | $35,000 |
$54,000 | $54,000 |
| Employment History |
1 | $51,000 |
$51,000 | $51,000 |
$29,000 | $29,000 |
| 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 ROLLING HILLS BANK & TRUST by:
Metropolitan Area And
County
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