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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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TWO RIVERS BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
TWO RIVERS BANK AND TRUST |
| Address | 4400 WESTOWN PRKY. STE. # 304
WEST DES MOINES, IA 50266 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 26 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,225,000 |
| Average Mortgage Loan Amount Applied For | $203,200 |
| Highest Mortgage Loan Amount Applied For | $1,950,000 |
| Average Applicant Income | $139,700 |
| Highest Applicant Income | $3,574,000 |
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| Home Improvement |
2 | $60,000 |
$30,000 | $40,000 |
$84,000 | $94,000 |
| Home Purchase |
10 | $2,205,000 |
$220,000 | $480,000 |
$132,000 | $254,000 |
| Refinancing |
14 | $3,960,000 |
$282,000 | $1,950,000 |
$354,000 | $3,574,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $305,000 |
$305,000 | $305,000 |
$86,000 | $86,000 |
| White |
25 | $5,920,000 |
$236,000 | $1,950,000 |
$254,000 | $3,574,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
26 | $6,225,000 |
$239,000 | $1,950,000 |
$248,000 | $3,574,000 |
| 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 |
1 | $33,000 |
$33,000 | $33,000 |
$58,000 | $58,000 |
| Application Denied By Financial Institution |
1 | $20,000 |
$20,000 | $20,000 |
$75,000 | $75,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
24 | $6,172,000 |
$257,000 | $1,950,000 |
$263,000 | $3,574,000 |
| 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 |
1 | $20,000 |
$20,000 | $20,000 |
$75,000 | $75,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for TWO RIVERS BANK AND TRUST by:
Metropolitan Area And
County
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