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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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TRUMAN BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
TRUMAN BANK |
| Address | 8151 CLAYTON ROAD
ST. LOUIS, MO 63117 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 298 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $52,913,000 |
| Average Mortgage Loan Amount Applied For | $350,800 |
| Highest Mortgage Loan Amount Applied For | $2,053,000 |
| Average Applicant Income | $80,400 |
| Highest Applicant Income | $1,555,000 |
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| Home Improvement |
14 | $2,955,000 |
$211,000 | $1,700,000 |
$16,000 | $84,000 |
| Home Purchase |
246 | $42,871,000 |
$174,000 | $2,053,000 |
$35,000 | $434,000 |
| Refinancing |
38 | $7,087,000 |
$186,000 | $1,210,000 |
$82,000 | $1,555,000 |
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| American Indian or Alaskan Native |
1 | $116,000 |
$116,000 | $116,000 |
$62,000 | $62,000 |
| Asian |
4 | $630,000 |
$157,000 | $300,000 |
$174,000 | $654,000 |
| Black or African American |
7 | $582,000 |
$83,000 | $140,000 |
$52,000 | $94,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
234 | $42,575,000 |
$181,000 | $2,053,000 |
$0 | $0 |
| Not Provided |
1 | $3,000 |
$3,000 | $3,000 |
$24,000 | $24,000 |
| White |
51 | $9,007,000 |
$176,000 | $1,704,000 |
$215,000 | $1,555,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
298 | $52,913,000 |
$177,000 | $2,053,000 |
$40,000 | $1,555,000 |
| 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 |
13 | $1,661,000 |
$127,000 | $557,000 |
$70,000 | $316,000 |
| Application Denied By Financial Institution |
10 | $2,751,000 |
$275,000 | $1,336,000 |
$40,000 | $106,000 |
| Application Withdrawn By Applicant |
2 | $2,237,000 |
$1,118,000 | $2,053,000 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
273 | $46,264,000 |
$169,000 | $1,900,000 |
$39,000 | $1,555,000 |
| 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 | $276,000 |
$92,000 | $140,000 |
$29,000 | $45,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $213,000 |
$71,000 | $208,000 |
$49,000 | $106,000 |
| Debt-To-Income Ratio |
3 | $1,702,000 |
$567,000 | $1,336,000 |
$50,000 | $90,000 |
| 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 | $560,000 |
$560,000 | $560,000 |
$20,000 | $20,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for TRUMAN BANK by:
Metropolitan Area And
County
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