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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 PEOPLES STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE PEOPLES STATE BANK |
| Address | 601 EAST TEMPERANCE STREET
ELLETTSVILLE, IN 47429 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 159 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,956,000 |
| Average Mortgage Loan Amount Applied For | $155,000 |
| Highest Mortgage Loan Amount Applied For | $694,000 |
| Average Applicant Income | $145,454 |
| Highest Applicant Income | $831,000 |
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| Home Improvement |
19 | $1,477,000 |
$77,000 | $264,000 |
$45,000 | $104,000 |
| Home Purchase |
86 | $9,739,000 |
$113,000 | $388,000 |
$73,000 | $443,000 |
| Refinancing |
56 | $5,855,000 |
$104,000 | $694,000 |
$82,000 | $831,000 |
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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 |
1 | $200,000 |
$200,000 | $200,000 |
$0 | $0 |
| Not Provided |
17 | $1,809,000 |
$106,000 | $388,000 |
$57,000 | $276,000 |
| White |
143 | $15,062,000 |
$105,000 | $694,000 |
$75,000 | $831,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
157 | $16,596,000 |
$105,000 | $694,000 |
$73,000 | $831,000 |
| FHA-insured (Federal Housing Administration) |
3 | $445,000 |
$148,000 | $183,000 |
$63,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $30,000 |
$30,000 | $30,000 |
$25,000 | $25,000 |
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| Application Approved But Not Accepted |
12 | $1,663,000 |
$138,000 | $275,000 |
$70,000 | $290,000 |
| Application Denied By Financial Institution |
18 | $1,741,000 |
$96,000 | $216,000 |
$34,000 | $67,000 |
| Application Withdrawn By Applicant |
3 | $306,000 |
$102,000 | $135,000 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
125 | $13,136,000 |
$105,000 | $694,000 |
$81,000 | $831,000 |
| 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 |
3 | $225,000 |
$75,000 | $110,000 |
$25,000 | $41,000 |
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| Collateral |
2 | $319,000 |
$159,000 | $185,000 |
$56,000 | $58,000 |
| Credit Application Incomplete |
1 | $65,000 |
$65,000 | $65,000 |
$29,000 | $29,000 |
| Credit History |
8 | $657,000 |
$82,000 | $160,000 |
$33,000 | $60,000 |
| Debt-To-Income Ratio |
9 | $840,000 |
$93,000 | $216,000 |
$30,000 | $67,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $85,000 |
$85,000 | $85,000 |
$11,000 | $11,000 |
| 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 THE PEOPLES STATE BANK by:
Metropolitan Area And
County
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