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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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VALLEY BANK AND TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALLEY BANK AND TRUST CO. |
| Address | P.O. BOX 538
GERING, NE 69341 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 302 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,879,000 |
| Average Mortgage Loan Amount Applied For | $131,352 |
| Highest Mortgage Loan Amount Applied For | $1,700,000 |
| Average Applicant Income | $54,558 |
| Highest Applicant Income | $265,000 |
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| Home Improvement |
35 | $1,054,000 |
$30,000 | $450,000 |
$54,000 | $240,000 |
| Home Purchase |
174 | $14,199,000 |
$81,000 | $1,700,000 |
$51,000 | $265,000 |
| Refinancing |
98 | $9,338,000 |
$95,000 | $522,000 |
$43,000 | $167,000 |
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| American Indian or Alaskan Native |
1 | $70,000 |
$70,000 | $70,000 |
$26,000 | $26,000 |
| Asian |
1 | $3,000 |
$3,000 | $3,000 |
$25,000 | $25,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
23 | $839,000 |
$36,000 | $91,000 |
$32,000 | $64,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $2,554,000 |
$255,000 | $510,000 |
$3,000 | $37,000 |
| Not Provided |
4 | $276,000 |
$69,000 | $137,000 |
$44,000 | $86,000 |
| White |
268 | $20,849,000 |
$77,000 | $1,700,000 |
$52,000 | $265,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
251 | $20,138,000 |
$80,000 | $1,700,000 |
$52,000 | $265,000 |
| FHA-insured (Federal Housing Administration) |
2 | $156,000 |
$78,000 | $89,000 |
$42,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
48 | $3,699,000 |
$77,000 | $290,000 |
$34,000 | $62,000 |
| VA-guaranteed (Veterans Administration) |
6 | $598,000 |
$99,000 | $169,000 |
$55,000 | $63,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
70 | $3,624,000 |
$51,000 | $265,000 |
$36,000 | $107,000 |
| Application Withdrawn By Applicant |
23 | $1,900,000 |
$82,000 | $237,000 |
$48,000 | $194,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
214 | $19,067,000 |
$89,000 | $1,700,000 |
$53,000 | $265,000 |
| 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 |
5 | $276,000 |
$55,000 | $100,000 |
$40,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
45 | $2,337,000 |
$51,000 | $265,000 |
$36,000 | $86,000 |
| Debt-To-Income Ratio |
15 | $635,000 |
$42,000 | $101,000 |
$32,000 | $107,000 |
| Employment History |
2 | $123,000 |
$61,000 | $87,000 |
$40,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $185,000 |
$92,000 | $97,000 |
$49,000 | $61,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $68,000 |
$68,000 | $68,000 |
$47,000 | $47,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for VALLEY BANK AND TRUST CO. by:
Metropolitan Area And
County
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