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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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WAUKESHA STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WAUKESHA STATE BANK |
| Address | 100 BANK STREET P.O. BOX 648
WAUKESHA, WI 53187 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 686 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $106,041,000 |
| Average Mortgage Loan Amount Applied For | $164,583 |
| Highest Mortgage Loan Amount Applied For | $2,125,000 |
| Average Applicant Income | $107,833 |
| Highest Applicant Income | $800,000 |
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| Home Improvement |
96 | $4,011,000 |
$41,000 | $448,000 |
$60,000 | $238,000 |
| Home Purchase |
254 | $55,115,000 |
$216,000 | $2,125,000 |
$76,000 | $800,000 |
| Refinancing |
371 | $52,675,000 |
$141,000 | $785,000 |
$70,000 | $427,000 |
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| American Indian or Alaskan Native |
1 | $2,000 |
$2,000 | $2,000 |
$30,000 | $30,000 |
| Asian |
2 | $384,000 |
$192,000 | $216,000 |
$53,000 | $62,000 |
| Black or African American |
2 | $195,000 |
$97,000 | $192,000 |
$77,000 | $110,000 |
| Hispanic |
57 | $6,837,000 |
$119,000 | $295,000 |
$48,000 | $154,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
53 | $12,029,000 |
$226,000 | $2,125,000 |
$0 | $0 |
| Not Provided |
1 | $320,000 |
$320,000 | $320,000 |
$50,000 | $50,000 |
| White |
605 | $92,034,000 |
$152,000 | $864,000 |
$79,000 | $800,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
721 | $111,801,000 |
$155,000 | $2,125,000 |
$71,000 | $800,000 |
| 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 |
11 | $1,967,000 |
$178,000 | $567,000 |
$74,000 | $240,000 |
| Application Denied By Financial Institution |
50 | $8,073,000 |
$161,000 | $440,000 |
$58,000 | $194,000 |
| Application Withdrawn By Applicant |
52 | $11,381,000 |
$218,000 | $785,000 |
$98,000 | $800,000 |
| File Closed For Incompleteness |
25 | $4,806,000 |
$192,000 | $417,000 |
$76,000 | $170,000 |
| Loan Originated |
547 | $79,538,000 |
$145,000 | $2,125,000 |
$70,000 | $498,000 |
| Loan Purchased By The Institution |
1 | $276,000 |
$276,000 | $276,000 |
$59,000 | $59,000 |
| Preapproval Approved but not Accepted |
1 | $125,000 |
$125,000 | $125,000 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
34 | $5,635,000 |
$165,000 | $394,000 |
$51,000 | $196,000 |
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| Collateral |
5 | $1,474,000 |
$294,000 | $440,000 |
$60,000 | $141,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
35 | $4,612,000 |
$131,000 | $243,000 |
$60,000 | $110,000 |
| Debt-To-Income Ratio |
39 | $6,755,000 |
$173,000 | $417,000 |
$48,000 | $196,000 |
| Employment History |
1 | $212,000 |
$212,000 | $212,000 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $409,000 |
$409,000 | $409,000 |
$194,000 | $194,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $246,000 |
$82,000 | $118,000 |
$60,000 | $73,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WAUKESHA STATE BANK by:
Metropolitan Area And
County
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