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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 & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALLEY BANK & TRUST |
| Address | PO BOX 183
MAPLETON, IA 51034 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 15 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $622,000 |
| Average Mortgage Loan Amount Applied For | $41,000 |
| Highest Mortgage Loan Amount Applied For | $200,000 |
| Average Applicant Income | $38,000 |
| Highest Applicant Income | $76,000 |
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| Home Improvement |
3 | $18,000 |
$6,000 | $7,000 |
$48,000 | $60,000 |
| Home Purchase |
10 | $377,000 |
$37,000 | $80,000 |
$58,000 | $165,000 |
| Refinancing |
26 | $1,362,000 |
$52,000 | $266,000 |
$59,000 | $543,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
39 | $1,757,000 |
$45,000 | $266,000 |
$58,000 | $543,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
39 | $1,757,000 |
$45,000 | $266,000 |
$58,000 | $543,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
1 | $43,000 |
$43,000 | $43,000 |
$24,000 | $24,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
38 | $1,714,000 |
$45,000 | $266,000 |
$58,000 | $543,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 VALLEY BANK & TRUST by:
Metropolitan Area And
County
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