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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 COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALLEY COMMUNITY BANK |
| Address | 620 EAST MAIN STREET
ST CHARLES, IL 60174 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 57 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,767,000 |
| Average Mortgage Loan Amount Applied For | $208,888 |
| Highest Mortgage Loan Amount Applied For | $660,000 |
| Average Applicant Income | $93,333 |
| Highest Applicant Income | $436,000 |
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| Home Improvement |
4 | $144,000 |
$36,000 | $57,000 |
$70,000 | $109,000 |
| Home Purchase |
38 | $8,051,000 |
$211,000 | $660,000 |
$85,000 | $436,000 |
| Refinancing |
17 | $3,894,000 |
$229,000 | $559,000 |
$59,000 | $234,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $1,138,000 |
$379,000 | $593,000 |
$136,000 | $222,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $418,000 |
$418,000 | $418,000 |
$234,000 | $234,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
23 | $4,794,000 |
$208,000 | $660,000 |
$0 | $0 |
| Not Provided |
1 | $121,000 |
$121,000 | $121,000 |
$100,000 | $100,000 |
| White |
31 | $5,618,000 |
$181,000 | $559,000 |
$122,000 | $436,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
59 | $12,089,000 |
$204,000 | $660,000 |
$76,000 | $436,000 |
| 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 |
4 | $983,000 |
$245,000 | $280,000 |
$108,000 | $146,000 |
| Application Denied By Financial Institution |
6 | $1,038,000 |
$173,000 | $260,000 |
$49,000 | $75,000 |
| Application Withdrawn By Applicant |
1 | $593,000 |
$593,000 | $593,000 |
$222,000 | $222,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
48 | $9,475,000 |
$197,000 | $660,000 |
$74,000 | $436,000 |
| 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 | $190,000 |
$190,000 | $190,000 |
$60,000 | $60,000 |
| Debt-To-Income Ratio |
4 | $605,000 |
$151,000 | $260,000 |
$42,000 | $75,000 |
| Employment History |
1 | $243,000 |
$243,000 | $243,000 |
$67,000 | $67,000 |
| 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 COMMUNITY BANK by:
Metropolitan Area And
County
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