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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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STATE BANK FINANCIAL
Mortgage Loans and Application Details
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| Mortgage Company Name |
STATE BANK FINANCIAL |
| Address | 401 MAIN STREET
LA CROSSE, WI 54601 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 350 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $48,248,000 |
| Average Mortgage Loan Amount Applied For | $188,814 |
| Highest Mortgage Loan Amount Applied For | $1,400,000 |
| Average Applicant Income | $221,185 |
| Highest Applicant Income | $3,089,000 |
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| Home Improvement |
31 | $1,093,000 |
$35,000 | $177,000 |
$54,000 | $200,000 |
| Home Purchase |
138 | $19,183,000 |
$139,000 | $581,000 |
$90,000 | $750,000 |
| Refinancing |
181 | $27,972,000 |
$154,000 | $1,400,000 |
$88,000 | $3,089,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $742,000 |
$185,000 | $250,000 |
$110,000 | $180,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $88,000 |
$88,000 | $88,000 |
$45,000 | $45,000 |
| Not applicable |
32 | $12,144,000 |
$379,000 | $1,400,000 |
$21,000 | $538,000 |
| Not Provided |
51 | $5,670,000 |
$111,000 | $412,000 |
$92,000 | $380,000 |
| White |
262 | $29,604,000 |
$112,000 | $752,000 |
$92,000 | $3,089,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
343 | $47,017,000 |
$137,000 | $1,400,000 |
$86,000 | $3,089,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
5 | $905,000 |
$181,000 | $305,000 |
$61,000 | $119,000 |
| VA-guaranteed (Veterans Administration) |
2 | $326,000 |
$163,000 | $170,000 |
$68,000 | $81,000 |
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| Application Approved But Not Accepted |
11 | $1,038,000 |
$94,000 | $214,000 |
$68,000 | $170,000 |
| Application Denied By Financial Institution |
31 | $2,976,000 |
$96,000 | $400,000 |
$47,000 | $130,000 |
| Application Withdrawn By Applicant |
24 | $3,303,000 |
$137,000 | $412,000 |
$104,000 | $321,000 |
| File Closed For Incompleteness |
1 | $56,000 |
$56,000 | $56,000 |
$28,000 | $28,000 |
| Loan Originated |
283 | $40,875,000 |
$144,000 | $1,400,000 |
$89,000 | $3,089,000 |
| 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 |
3 | $86,000 |
$28,000 | $43,000 |
$84,000 | $130,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $1,540,000 |
$90,000 | $265,000 |
$44,000 | $78,000 |
| Debt-To-Income Ratio |
9 | $1,059,000 |
$117,000 | $400,000 |
$44,000 | $70,000 |
| Employment History |
1 | $187,000 |
$187,000 | $187,000 |
$65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $104,000 |
$104,000 | $104,000 |
$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 STATE BANK FINANCIAL by:
Metropolitan Area And
County
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