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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALLEY STATE BANK |
| Address | 502 N. MERCHANT
BELLE PLAINE, KS 67013 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 189 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,317,000 |
| Average Mortgage Loan Amount Applied For | $77,000 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $56,200 |
| Highest Applicant Income | $180,000 |
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| Home Improvement |
63 | $654,000 |
$10,000 | $72,000 |
$58,000 | $155,000 |
| Home Purchase |
55 | $3,066,000 |
$55,000 | $400,000 |
$60,000 | $167,000 |
| Refinancing |
71 | $6,597,000 |
$92,000 | $800,000 |
$59,000 | $180,000 |
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| American Indian or Alaskan Native |
4 | $169,000 |
$42,000 | $72,000 |
$54,000 | $68,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
4 | $135,000 |
$33,000 | $65,000 |
$37,000 | $55,000 |
| Hispanic |
5 | $172,000 |
$34,000 | $62,000 |
$57,000 | $167,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
18 | $3,852,000 |
$214,000 | $800,000 |
$0 | $0 |
| Not Provided |
1 | $112,000 |
$112,000 | $112,000 |
$89,000 | $89,000 |
| White |
157 | $5,877,000 |
$37,000 | $300,000 |
$66,000 | $180,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
189 | $10,317,000 |
$54,000 | $800,000 |
$59,000 | $180,000 |
| 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 | $38,000 |
$38,000 | $38,000 |
$58,000 | $58,000 |
| Application Denied By Financial Institution |
27 | $1,325,000 |
$49,000 | $400,000 |
$49,000 | $100,000 |
| Application Withdrawn By Applicant |
11 | $567,000 |
$51,000 | $175,000 |
$74,000 | $127,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
150 | $8,387,000 |
$55,000 | $800,000 |
$60,000 | $180,000 |
| 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 STATE BANK by:
Metropolitan Area And
County
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