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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 RIVERBANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE RIVERBANK |
| Address | 304 CASCADE STREET, PO BOX 188
OSCEOLA, WI 54020 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 741 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $87,183,000 |
| Average Mortgage Loan Amount Applied For | $132,531 |
| Highest Mortgage Loan Amount Applied For | $725,000 |
| Average Applicant Income | $61,531 |
| Highest Applicant Income | $1,300,000 |
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| Home Improvement |
73 | $2,171,000 |
$29,000 | $125,000 |
$59,000 | $211,000 |
| Home Purchase |
227 | $31,396,000 |
$138,000 | $417,000 |
$73,000 | $390,000 |
| Refinancing |
441 | $53,616,000 |
$121,000 | $725,000 |
$67,000 | $1,300,000 |
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| American Indian or Alaskan Native |
2 | $80,000 |
$40,000 | $53,000 |
$52,000 | $75,000 |
| Asian |
1 | $10,000 |
$10,000 | $10,000 |
$53,000 | $53,000 |
| Black or African American |
1 | $202,000 |
$202,000 | $202,000 |
$93,000 | $93,000 |
| Hispanic |
5 | $414,000 |
$82,000 | $156,000 |
$91,000 | $211,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $58,000 |
$58,000 | $58,000 |
$53,000 | $53,000 |
| Not Provided |
2 | $171,000 |
$85,000 | $137,000 |
$64,000 | $95,000 |
| White |
729 | $86,248,000 |
$118,000 | $725,000 |
$68,000 | $1,300,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
729 | $85,697,000 |
$117,000 | $725,000 |
$69,000 | $1,300,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
11 | $1,372,000 |
$124,000 | $165,000 |
$46,000 | $64,000 |
| VA-guaranteed (Veterans Administration) |
1 | $114,000 |
$114,000 | $114,000 |
$0 | $0 |
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| Application Approved But Not Accepted |
8 | $1,295,000 |
$161,000 | $230,000 |
$56,000 | $93,000 |
| Application Denied By Financial Institution |
16 | $1,516,000 |
$94,000 | $323,000 |
$38,000 | $110,000 |
| Application Withdrawn By Applicant |
3 | $310,000 |
$103,000 | $173,000 |
$76,000 | $89,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
714 | $84,062,000 |
$117,000 | $725,000 |
$69,000 | $1,300,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $658,000 |
$109,000 | $323,000 |
$46,000 | $110,000 |
| Debt-To-Income Ratio |
8 | $588,000 |
$73,000 | $238,000 |
$35,000 | $68,000 |
| Employment History |
1 | $114,000 |
$114,000 | $114,000 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $156,000 |
$156,000 | $156,000 |
$60,000 | $60,000 |
| 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 RIVERBANK by:
Metropolitan Area And
County
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