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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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THE COMMUNITY STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE COMMUNITY STATE BANK |
| Address | PO BOX 769
POTEAU, OK 74953 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 152 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,773,000 |
| Average Mortgage Loan Amount Applied For | $73,428 |
| Highest Mortgage Loan Amount Applied For | $604,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $211,000 |
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| Home Improvement |
27 | $465,000 |
$17,000 | $64,000 |
$43,000 | $141,000 |
| Home Purchase |
100 | $7,508,000 |
$75,000 | $605,000 |
$54,000 | $211,000 |
| Refinancing |
34 | $2,967,000 |
$87,000 | $604,000 |
$47,000 | $139,000 |
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| American Indian or Alaskan Native |
18 | $1,231,000 |
$68,000 | $280,000 |
$40,000 | $139,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $34,000 |
$34,000 | $34,000 |
$15,000 | $15,000 |
| Hispanic |
1 | $60,000 |
$60,000 | $60,000 |
$127,000 | $127,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $206,000 |
$68,000 | $126,000 |
$55,000 | $166,000 |
| Not Provided |
2 | $155,000 |
$77,000 | $120,000 |
$52,000 | $53,000 |
| White |
136 | $9,254,000 |
$68,000 | $605,000 |
$52,000 | $211,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
161 | $10,940,000 |
$67,000 | $605,000 |
$51,000 | $211,000 |
| 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 |
15 | $934,000 |
$62,000 | $221,000 |
$55,000 | $126,000 |
| Application Denied By Financial Institution |
52 | $3,432,000 |
$66,000 | $605,000 |
$35,000 | $82,000 |
| Application Withdrawn By Applicant |
10 | $554,000 |
$55,000 | $120,000 |
$49,000 | $144,000 |
| File Closed For Incompleteness |
2 | $169,000 |
$84,000 | $125,000 |
$54,000 | $64,000 |
| Loan Originated |
82 | $5,851,000 |
$71,000 | $604,000 |
$61,000 | $211,000 |
| 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 | $8,000 |
$8,000 | $8,000 |
$15,000 | $15,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
24 | $1,617,000 |
$67,000 | $605,000 |
$34,000 | $81,000 |
| Debt-To-Income Ratio |
26 | $1,647,000 |
$63,000 | $150,000 |
$35,000 | $82,000 |
| 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 |
1 | $160,000 |
$160,000 | $160,000 |
$50,000 | $50,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE COMMUNITY STATE BANK by:
Metropolitan Area And
County
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