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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 | 5115 ROE BOULEVARD
ROELAND PARK, KS 66205 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 103 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,861,000 |
| Average Mortgage Loan Amount Applied For | $221,590 |
| Highest Mortgage Loan Amount Applied For | $995,000 |
| Average Applicant Income | $125,863 |
| Highest Applicant Income | $525,000 |
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| Home Improvement |
1 | $750,000 |
$750,000 | $750,000 |
$216,000 | $216,000 |
| Home Purchase |
48 | $8,807,000 |
$198,625 | $416,000 |
$92,500 | $276,000 |
| Refinancing |
55 | $11,434,000 |
$335,833 | $995,000 |
$119,333 | $525,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $643,000 |
$214,000 | $252,000 |
$424,000 | $525,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $701,000 |
$227,000 | $351,000 |
$75,500 | $98,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
14 | $3,178,000 |
$263,000 | $400,000 |
$115,000 | $289,000 |
| White |
84 | $16,469,000 |
$237,777 | $995,000 |
$89,111 | $283,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
104 | $20,991,000 |
$242,111 | $995,000 |
$99,222 | $525,000 |
| 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 |
3 | $810,000 |
$270,000 | $360,000 |
$129,000 | $192,000 |
| Application Denied By Financial Institution |
2 | $189,000 |
$94,000 | $144,000 |
$30,000 | $38,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
98 | $19,862,000 |
$254,750 | $995,000 |
$104,625 | $525,000 |
| 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 |
1 | $130,000 |
$130,000 | $130,000 |
$60,000 | $60,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $274,000 |
$137,000 | $144,000 |
$49,000 | $60,000 |
| Debt-To-Income Ratio |
1 | $45,000 |
$45,000 | $45,000 |
$22,000 | $22,000 |
| 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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