Farm Bureau Bank Mortgage Lending & HMDA Data, 2004

In 2004, Farm Bureau Bank of San Antonio, TX reported 471 mortgage applications totaling $47.6 million, up 48% from 2003. The average application was for $100,974, and applicants reported an average income of $54,728. 27% of its applications resulted in an originated loan and 29% were denied. Its largest markets were San Antonio, TX (19), Baton Rouge, LA (12) and Little Rock-North Little Rock, AR (12) (applications in parentheses).

Mortgage Company & Address Farm Bureau Bank
17300 Henderson Pass Suite 100
San Antonio, TX 78232
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 471
Total Mortgage Loan Application Amount $47,559,000
Average Mortgage Loan Application Amount $100,974
Highest Mortgage Loan Application Amount $510,000
Average Applicant Income $54,728
Highest Applicant Income $360,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farm Bureau Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Farm Bureau Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Bexar, Texas 9 $ 1,030,000 $ 114,444 $ 60,000
Pulaski, Arkansas 7 $ 480,000 $ 68,571 $ 47,000
St. Martin, Louisiana 7 $ 752,000 $ 107,428 $ 50,000
Acadia, Louisiana 6 $ 528,000 $ 88,000 $ 59,000
Avoyelles, Louisiana 6 $ 787,000 $ 131,166 $ 49,000
Washington, Louisiana 6 $ 558,000 $ 93,000 $ 54,000
Lee, Florida 5 $ 641,000 $ 128,200 $ 72,000
Catawba, North Carolina 5 $ 601,000 $ 120,200 $ 48,000
Collin, Texas 5 $ 931,000 $ 186,200 $ 69,000
Independence, Arkansas 4 $ 375,000 $ 93,750 $ 63,000
Saline, Arkansas 4 $ 563,000 $ 140,750 $ 90,000
Hernando, Florida 4 $ 401,000 $ 100,250 $ 112,000
Ascension, Louisiana 4 $ 296,000 $ 74,000 $ 40,000
Lafayette, Louisiana 4 $ 387,000 $ 96,750 $ 44,000
Wake, North Carolina 4 $ 453,000 $ 113,250 $ 81,000
Richland, South Carolina 4 $ 486,000 $ 121,500 $ 49,000
Tarrant, Texas 4 $ 534,000 $ 133,500 $ 69,000
Maricopa, Arizona 3 $ 517,000 $ 172,333 $ 45,000
Logan, Arkansas 3 $ 302,000 $ 100,666 $ 34,000
White, Arkansas 3 $ 383,000 $ 127,666 $ 50,000
Miami-Dade, Florida 3 $ 607,000 $ 202,333 $ 84,000
Palm Beach, Florida 3 $ 383,000 $ 127,666 $ 57,000
Calcasieu, Louisiana 3 $ 441,000 $ 147,000 $ 34,000
East Baton Rouge, Louisiana 3 $ 282,000 $ 94,000 $ 30,000
Jefferson Davis, Louisiana 3 $ 172,000 $ 57,333 $ 60,000
Lafourche, Louisiana 3 $ 220,000 $ 73,333 $ 87,000
Livingston, Louisiana 3 $ 406,000 $ 135,333 $ 64,000
Terrebonne, Louisiana 3 $ 289,000 $ 96,333 $ 38,000
Buncombe, North Carolina 3 $ 285,000 $ 95,000 $ 38,000
Guilford, North Carolina 3 $ 378,000 $ 126,000 $ 81,000
Marshall, Oklahoma 3 $ 192,000 $ 64,000 $ 54,000
Berkeley, South Carolina 3 $ 263,000 $ 87,666 $ 26,000
Horry, South Carolina 3 $ 349,000 $ 116,333 $ 29,000
Gillespie, Texas 3 $ 380,000 $ 126,666 $ 104,000
Guadalupe, Texas 3 $ 205,000 $ 68,333 $ 65,000
Harris, Texas 3 $ 263,000 $ 87,666 $ 34,000
Lampasas, Texas 3 $ 219,000 $ 73,000 $ 56,000
Medina, Texas 3 $ 327,000 $ 109,000 $ 42,000
Yavapai, Arizona 2 $ 148,000 $ 74,000 $ 45,000
Bradley, Arkansas 2 $ 95,000 $ 47,500 $ 49,000
Clark, Arkansas 2 $ 94,000 $ 47,000 $ 36,000
Craighead, Arkansas 2 $ 134,000 $ 67,000 $ 52,000
Garland, Arkansas 2 $ 219,000 $ 109,500 $ 94,000
Howard, Arkansas 2 $ 95,000 $ 47,500 $ 33,000
Jackson, Arkansas 2 $ 151,000 $ 75,500 $ 70,000
Lee, Arkansas 2 $ 202,000 $ 101,000 $ 200,000
Phillips, Arkansas 2 $ 95,000 $ 47,500 $ 30,000
Polk, Arkansas 2 $ 233,000 $ 116,500 $ 49,000
St. Francis, Arkansas 2 $ 126,000 $ 63,000 $ 41,000
Stone, Arkansas 2 $ 93,000 $ 46,500 $ 36,000
Washington, Arkansas 2 $ 171,000 $ 85,500 $ 41,000
Alachua, Florida 2 $ 210,000 $ 105,000 $ 40,000
Charlotte, Florida 2 $ 211,000 $ 105,500 $ 48,000
Holmes, Florida 2 $ 170,000 $ 85,000 $ 22,000
Marion, Florida 2 $ 197,000 $ 98,500 $ 36,000
Nassau, Florida 2 $ 314,000 $ 157,000 $ 59,000
Polk, Florida 2 $ 243,000 $ 121,500 $ 42,000
Putnam, Florida 2 $ 285,000 $ 142,500 $ 63,000
Volusia, Florida 2 $ 265,000 $ 132,500 $ 37,000
Walton, Florida 2 $ 124,000 $ 62,000 $ 35,000
Bullitt, Kentucky 2 $ 225,000 $ 112,500 $ 59,000
Hopkins, Kentucky 2 $ 149,000 $ 74,500 $ 57,000
Pulaski, Kentucky 2 $ 103,000 $ 51,500 $ 9,000
Concordia, Louisiana 2 $ 251,000 $ 125,500 $ 58,000
Jefferson, Louisiana 2 $ 124,000 $ 62,000 $ 32,000
Pointe Coupee, Louisiana 2 $ 267,000 $ 133,500 $ 72,000
St. Tammany, Louisiana 2 $ 228,000 $ 114,000 $ 49,000
Tensas, Louisiana 2 $ 84,000 $ 42,000 $ 27,000
Clark, Nevada 2 $ 243,000 $ 121,500 $ 57,000
Burke, North Carolina 2 $ 188,000 $ 94,000 $ 76,000
Caldwell, North Carolina 2 $ 162,000 $ 81,000 $ 33,000
Caswell, North Carolina 2 $ 221,000 $ 110,500 $ 51,000
Cleveland, North Carolina 2 $ 99,000 $ 49,500 $ 27,000
Gaston, North Carolina 2 $ 197,000 $ 98,500 $ 42,000
Henderson, North Carolina 2 $ 185,000 $ 92,500 $ 63,000
Madison, North Carolina 2 $ 182,000 $ 91,000 $ 38,000
Mecklenburg, North Carolina 2 $ 197,000 $ 98,500 $ 25,000
Wayne, North Carolina 2 $ 80,000 $ 40,000 $ 42,000
Wilkes, North Carolina 2 $ 137,000 $ 68,500 $ 38,000
Cleveland, Oklahoma 2 $ 300,000 $ 150,000 $ 50,000
Georgetown, South Carolina 2 $ 96,000 $ 48,000 $ 18,000
Lexington, South Carolina 2 $ 276,000 $ 138,000 $ 42,000
Spartanburg, South Carolina 2 $ 185,000 $ 92,500 $ 71,000
Sumter, South Carolina 2 $ 169,000 $ 84,500 $ 20,000
Carter, Tennessee 2 $ 572,000 $ 286,000 $ 64,000
Obion, Tennessee 2 $ 205,000 $ 102,500 $ 76,000
Atascosa, Texas 2 $ 228,000 $ 114,000 $ 68,000
Bailey, Texas 2 $ 139,000 $ 69,500 $ 102,000
Bell, Texas 2 $ 130,000 $ 65,000 $ 40,000
Brazos, Texas 2 $ 105,000 $ 52,500 $ 62,000
Comal, Texas 2 $ 350,000 $ 175,000 $ 104,000
Dallas, Texas 2 $ 309,000 $ 154,500 $ 130,000
Deaf Smith, Texas 2 $ 115,000 $ 57,500 $ 69,000
Hays, Texas 2 $ 169,000 $ 84,500 $ 43,000
McLennan, Texas 2 $ 178,000 $ 89,000 $ 127,000
Panola, Texas 2 $ 97,000 $ 48,500 $ 50,000
Randall, Texas 2 $ 300,000 $ 150,000 $ 135,000
Tom Green, Texas 2 $ 159,000 $ 79,500 $ 64,000
Washington, Texas 2 $ 230,000 $ 115,000 $ 43,000
Baldwin, Alabama 1 $ 50,000 $ 50,000 $ 12,000
Henry, Alabama 1 $ 98,000 $ 98,000 $ 34,000
Gila, Arizona 1 $ 320,000 $ 320,000 $ 82,000
Mohave, Arizona 1 $ 108,000 $ 108,000 $ 55,000
Ashley, Arkansas 1 $ 45,000 $ 45,000 $ 39,000
Benton, Arkansas 1 $ 80,000 $ 80,000 $ 42,000
Boone, Arkansas 1 $ 75,000 $ 75,000 $ 20,000
Cleburne, Arkansas 1 $ 78,000 $ 78,000 $ 29,000
Crittenden, Arkansas 1 $ 85,000 $ 85,000 $ 18,000
Cross, Arkansas 1 $ 48,000 $ 48,000 $ 40,000
Desha, Arkansas 1 $ 144,000 $ 144,000 $ 96,000
Drew, Arkansas 1 $ 255,000 $ 255,000 $ 202,000
Faulkner, Arkansas 1 $ 160,000 $ 160,000 $ 75,000
Greene, Arkansas 1 $ 53,000 $ 53,000 $ 53,000
Izard, Arkansas 1 $ 46,000 $ 46,000 $ 52,000
Johnson, Arkansas 1 $ 134,000 $ 134,000 $ 105,000
Miller, Arkansas 1 $ 62,000 $ 62,000 $ 60,000
Mississippi, Arkansas 1 $ 100,000 $ 100,000 $ 85,000
Monroe, Arkansas 1 $ 98,000 $ 98,000 $ 69,000
Ouachita, Arkansas 1 $ 34,000 $ 34,000 $ 58,000
Poinsett, Arkansas 1 $ 80,000 $ 80,000 $ 49,000
Pope, Arkansas 1 $ 72,000 $ 72,000 $ 53,000
Searcy, Arkansas 1 $ 72,000 $ 72,000 $ 26,000
Sevier, Arkansas 1 $ 55,000 $ 55,000 $ 39,000
Sharp, Arkansas 1 $ 59,000 $ 59,000 $ 43,000
Van Buren, Arkansas 1 $ 151,000 $ 151,000 $ 144,000
Woodruff, Arkansas 1 $ 67,000 $ 67,000 $ 24,000
Yell, Arkansas 1 $ 105,000 $ 105,000 $ 48,000
Riverside, California 1 $ 204,000 $ 204,000 $ 70,000
Shasta, California 1 $ 130,000 $ 130,000 $ 18,000
Yuba, California 1 $ 200,000 $ 200,000 $ 60,000
Park, Colorado 1 $ 95,000 $ 95,000 $ 20,000
Broward, Florida 1 $ 122,000 $ 122,000 $ 32,000
Collier, Florida 1 $ 174,000 $ 174,000 $ 1,000
Columbia, Florida 1 $ 100,000 $ 100,000 $ 62,000
Escambia, Florida 1 $ 63,000 $ 63,000 $ 46,000
Flagler, Florida 1 $ 100,000 $ 100,000 $ 36,000
Gadsden, Florida 1 $ 70,000 $ 70,000 $ 56,000
Hardee, Florida 1 $ 60,000 $ 60,000 $ 70,000
Hendry, Florida 1 $ 43,000 $ 43,000 $ 34,000
Hillsborough, Florida 1 $ 70,000 $ 70,000 $ 97,000
Lafayette, Florida 1 $ 63,000 $ 63,000 $ 46,000
Levy, Florida 1 $ 42,000 $ 42,000 $ 26,000
Manatee, Florida 1 $ 110,000 $ 110,000 $ 46,000
Okeechobee, Florida 1 $ 67,000 $ 67,000 $ 29,000
Orange, Florida 1 $ 178,000 $ 178,000 $ 56,000
Osceola, Florida 1 $ 81,000 $ 81,000 $ 42,000
St. Johns, Florida 1 $ 82,000 $ 82,000 $ 45,000
Cherokee, Georgia 1 $ 121,000 $ 121,000 $ 48,000
Fayette, Georgia 1 $ 124,000 $ 124,000 $ 63,000
Bartholomew, Indiana 1 $ 122,000 $ 122,000 $ 44,000
Franklin, Indiana 1 $ 127,000 $ 127,000 $ 34,000
Grant, Indiana 1 $ 48,000 $ 48,000 $ 35,000
Jennings, Indiana 1 $ 79,000 $ 79,000 $ 22,000
Johnson, Indiana 1 $ 185,000 $ 185,000 $ 88,000
Guthrie, Iowa 1 $ 70,000 $ 70,000 $ 54,000
Muscatine, Iowa 1 $ 110,000 $ 110,000 $ 48,000
Cowley, Kansas 1 $ 74,000 $ 74,000 $ 52,000
Finney, Kansas 1 $ 283,000 $ 283,000 $ 120,000
Adair, Kentucky 1 $ 100,000 $ 100,000 $ 51,000
Boyd, Kentucky 1 $ 90,000 $ 90,000 $ 53,000
Carter, Kentucky 1 $ 99,000 $ 99,000 $ 18,000
Christian, Kentucky 1 $ 73,000 $ 73,000 $ 41,000
Clark, Kentucky 1 $ 101,000 $ 101,000 $ 25,000
Daviess, Kentucky 1 $ 86,000 $ 86,000 $ 26,000
Grant, Kentucky 1 $ 99,000 $ 99,000 $ 19,000
Hardin, Kentucky 1 $ 32,000 $ 32,000 $ 9,000
Harrison, Kentucky 1 $ 101,000 $ 101,000 $ 74,000
Hart, Kentucky 1 $ 71,000 $ 71,000 $ 53,000
Lincoln, Kentucky 1 $ 100,000 $ 100,000 $ 36,000
Madison, Kentucky 1 $ 267,000 $ 267,000 $ 46,000
Marshall, Kentucky 1 $ 60,000 $ 60,000 $ 14,000
McCracken, Kentucky 1 $ 34,000 $ 34,000 $ 27,000
McCreary, Kentucky 1 $ 57,000 $ 57,000 $ 53,000
Muhlenberg, Kentucky 1 $ 42,000 $ 42,000 $ 17,000
Russell, Kentucky 1 $ 100,000 $ 100,000 $ 39,000
Shelby, Kentucky 1 $ 273,000 $ 273,000 $ 127,000
Simpson, Kentucky 1 $ 75,000 $ 75,000 $ 41,000
Todd, Kentucky 1 $ 100,000 $ 100,000 $ 43,000
Webster, Kentucky 1 $ 55,000 $ 55,000 $ 50,000
Woodford, Kentucky 1 $ 125,000 $ 125,000 $ 37,000
Allen, Louisiana 1 $ 82,000 $ 82,000 $ 46,000
Bossier, Louisiana 1 $ 81,000 $ 81,000 $ 160,000
Caddo, Louisiana 1 $ 57,000 $ 57,000 $ 19,000
Cameron, Louisiana 1 $ 76,000 $ 76,000 $ 71,000
De Soto, Louisiana 1 $ 80,000 $ 80,000 $ 30,000
East Feliciana, Louisiana 1 $ 50,000 $ 50,000 $ 33,000
Evangeline, Louisiana 1 $ 81,000 $ 81,000 $ 46,000
Franklin, Louisiana 1 $ 85,000 $ 85,000 $ 36,000
Iberia, Louisiana 1 $ 65,000 $ 65,000 $ 23,000
Morehouse, Louisiana 1 $ 125,000 $ 125,000 $ 44,000
Red River, Louisiana 1 $ 100,000 $ 100,000 $ 30,000
Richland, Louisiana 1 $ 195,000 $ 195,000 $ 84,000
St. Charles, Louisiana 1 $ 50,000 $ 50,000 $ 15,000
St. James, Louisiana 1 $ 114,000 $ 114,000 $ 53,000
Vermilion, Louisiana 1 $ 45,000 $ 45,000 $ 39,000
Calvert, Maryland 1 $ 80,000 $ 80,000 $ 36,000
Clay, Minnesota 1 $ 70,000 $ 70,000 $ 46,000
Cottonwood, Minnesota 1 $ 98,000 $ 98,000 $ 102,000
Stearns, Minnesota 1 $ 149,000 $ 149,000 $ 68,000
Hinds, Mississippi 1 $ 110,000 $ 110,000 $ 30,000
Butler, Missouri 1 $ 45,000 $ 45,000 $ 20,000
Rockingham, New Hampshire 1 $ 200,000 $ 200,000 $ 117,000
Madison, New York 1 $ 152,000 $ 152,000 $ 76,000
Ashe, North Carolina 1 $ 53,000 $ 53,000 $ 23,000
Carteret, North Carolina 1 $ 160,000 $ 160,000 $ 26,000
Cumberland, North Carolina 1 $ 56,000 $ 56,000 $ 32,000
Durham, North Carolina 1 $ 50,000 $ 50,000 $ 48,000
Forsyth, North Carolina 1 $ 48,000 $ 48,000 $ 37,000
Granville, North Carolina 1 $ 86,000 $ 86,000 $ 90,000
Haywood, North Carolina 1 $ 143,000 $ 143,000 $ 42,000
Hoke, North Carolina 1 $ 103,000 $ 103,000 $ 96,000
Iredell, North Carolina 1 $ 37,000 $ 37,000 $ 36,000
Jones, North Carolina 1 $ 43,000 $ 43,000 $ 48,000
Montgomery, North Carolina 1 $ 56,000 $ 56,000 $ 47,000
Nash, North Carolina 1 $ 210,000 $ 210,000 $ 180,000
Robeson, North Carolina 1 $ 83,000 $ 83,000 $ 54,000
Rockingham, North Carolina 1 $ 83,000 $ 83,000 $ 75,000
Sampson, North Carolina 1 $ 61,000 $ 61,000 $ 35,000
Union, North Carolina 1 $ 93,000 $ 93,000 $ 26,000
Yancey, North Carolina 1 $ 210,000 $ 210,000 $ 92,000
Cuyahoga, Ohio 1 $ 92,000 $ 92,000 $ 72,000
Delaware, Ohio 1 $ 194,000 $ 194,000 $ 56,000
Geauga, Ohio 1 $ 112,000 $ 112,000 $ 35,000
Summit, Ohio 1 $ 157,000 $ 157,000 $ 50,000
Blaine, Oklahoma 1 $ 117,000 $ 117,000 $ 58,000
Creek, Oklahoma 1 $ 76,000 $ 76,000 $ 80,000
Ellis, Oklahoma 1 $ 45,000 $ 45,000 $ 25,000
Grady, Oklahoma 1 $ 100,000 $ 100,000 $ 118,000
Kay, Oklahoma 1 $ 40,000 $ 40,000 $ 32,000
Kingfisher, Oklahoma 1 $ 44,000 $ 44,000 $ 31,000
Le Flore, Oklahoma 1 $ 98,000 $ 98,000 $ 126,000
McIntosh, Oklahoma 1 $ 148,000 $ 148,000 $ 111,000
Ottawa, Oklahoma 1 $ 200,000 $ 200,000 $ 50,000
Pawnee, Oklahoma 1 $ 100,000 $ 100,000 $ 53,000
Payne, Oklahoma 1 $ 55,000 $ 55,000 $ 61,000
Roger Mills, Oklahoma 1 $ 66,000 $ 66,000 $ 42,000
Rogers, Oklahoma 1 $ 94,000 $ 94,000 $ 30,000
Tulsa, Oklahoma 1 $ 103,000 $ 103,000 $ 96,000
Woodward, Oklahoma 1 $ 40,000 $ 40,000 $ 79,000
Deschutes, Oregon 1 $ 25,000 $ 25,000 $ 12,000
Yamhill, Oregon 1 $ 87,000 $ 87,000 $ 55,000
Fulton, Pennsylvania 1 $ 76,000 $ 76,000 $ 62,000
Aiken, South Carolina 1 $ 73,000 $ 73,000 $ 51,000
Allendale, South Carolina 1 $ 48,000 $ 48,000 $ 46,000
Beaufort, South Carolina 1 $ 180,000 $ 180,000 $ 179,000
Charleston, South Carolina 1 $ 172,000 $ 172,000 $ 56,000
Cherokee, South Carolina 1 $ 136,000 $ 136,000 $ 144,000
Chester, South Carolina 1 $ 41,000 $ 41,000 $ 15,000
Darlington, South Carolina 1 $ 50,000 $ 50,000 $ 50,000
Dorchester, South Carolina 1 $ 428,000 $ 428,000 $ 60,000
Florence, South Carolina 1 $ 89,000 $ 89,000 $ 40,000
Kershaw, South Carolina 1 $ 209,000 $ 209,000 $ 66,000
Marion, South Carolina 1 $ 52,000 $ 52,000 $ 27,000
York, South Carolina 1 $ 40,000 $ 40,000 $ 61,000
Anderson, Tennessee 1 $ 55,000 $ 55,000 $ 42,000
Gibson, Tennessee 1 $ 35,000 $ 35,000 $ 26,000
Greene, Tennessee 1 $ 79,000 $ 79,000 $ 31,000
Hamblen, Tennessee 1 $ 132,000 $ 132,000 $ 48,000
Hawkins, Tennessee 1 $ 63,000 $ 63,000 $ 56,000
Madison, Tennessee 1 $ 60,000 $ 60,000 $ 79,000
Marshall, Tennessee 1 $ 41,000 $ 41,000 $ 48,000
Putnam, Tennessee 1 $ 63,000 $ 63,000 $ 55,000
Rutherford, Tennessee 1 $ 130,000 $ 130,000 $ 78,000
Sevier, Tennessee 1 $ 88,000 $ 88,000 $ 57,000
Washington, Tennessee 1 $ 61,000 $ 61,000 $ 15,000
Austin, Texas 1 $ 264,000 $ 264,000 $ 153,000
Bastrop, Texas 1 $ 54,000 $ 54,000 $ 46,000
Cameron, Texas 1 $ 120,000 $ 120,000 $ 75,000
Dawson, Texas 1 $ 50,000 $ 50,000 $ 34,000
Dimmit, Texas 1 $ 134,000 $ 134,000 $ 48,000
Falls, Texas 1 $ 62,000 $ 62,000 $ 26,000
Fannin, Texas 1 $ 50,000 $ 50,000 $ 109,000
Fayette, Texas 1 $ 134,000 $ 134,000 $ 40,000
Franklin, Texas 1 $ 45,000 $ 45,000 $ 36,000
Goliad, Texas 1 $ 103,000 $ 103,000 $ 103,000
Gray, Texas 1 $ 62,000 $ 62,000 $ 80,000
Hale, Texas 1 $ 43,000 $ 43,000 $ 61,000
Hidalgo, Texas 1 $ 40,000 $ 40,000 $ 12,000
Hockley, Texas 1 $ 108,000 $ 108,000 $ 43,000
Jim Wells, Texas 1 $ 80,000 $ 80,000 $ 60,000
Johnson, Texas 1 $ 166,000 $ 166,000 $ 71,000
Leon, Texas 1 $ 64,000 $ 64,000 $ 35,000
Montague, Texas 1 $ 84,000 $ 84,000 $ 44,000
Morris, Texas 1 $ 134,000 $ 134,000 $ 74,000
Palo Pinto, Texas 1 $ 72,000 $ 72,000 $ 24,000
Parmer, Texas 1 $ 128,000 $ 128,000 $ 48,000
Pecos, Texas 1 $ 69,000 $ 69,000 $ 44,000
Polk, Texas 1 $ 122,000 $ 122,000 $ 36,000
Robertson, Texas 1 $ 45,000 $ 45,000 $ 17,000
Travis, Texas 1 $ 76,000 $ 76,000 $ 48,000
Victoria, Texas 1 $ 66,000 $ 66,000 $ 100,000
Walker, Texas 1 $ 44,000 $ 44,000 $ 60,000
Wharton, Texas 1 $ 106,000 $ 106,000 $ 64,000
Hanover, Virginia 1 $ 100,000 $ 100,000 $ 60,000
Clark, Washington 1 $ 179,000 $ 179,000 $ 113,000
Snohomish, Washington 1 $ 100,000 $ 100,000 $ 42,000
Racine, Wisconsin 1 $ 50,000 $ 50,000 $ 12,000

Mortgage Loan Application Detail Totals for Farm Bureau Bank in 2004

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 299 $29,779,000 $116,454 $428,000 $61,454 $360,000
Home Purchase 171 $17,704,000 $104,000 $510,000 $44,863 $240,000
Home Improvement 1 $76,000 $76,000 $76,000 $24,000 $24,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not Provided 274 $27,128,000 $104,629 $510,000 $44,925 $240,000
White 179 $18,456,000 $117,421 $320,000 $65,105 $360,000
Hispanic 9 $903,000 $107,750 $165,000 $55,250 $130,000
Black or African American 8 $994,000 $112,600 $275,000 $50,800 $145,000
American Indian or Alaskan Native 1 $78,000 $78,000 $78,000 $26,000 $26,000
Asian 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 470 $47,486,000 $108,900 $510,000 $52,233 $360,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $73,000 $73,000 $73,000 $51,000 $51,000
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Approved But Not Accepted 170 $17,827,000 $106,850 $428,000 $51,000 $240,000
Application Denied By Financial Institution 135 $12,591,000 $105,950 $510,000 $42,850 $240,000
Loan Originated 128 $13,502,000 $111,857 $320,000 $66,095 $360,000
Application Withdrawn By Applicant 29 $2,764,000 $100,800 $250,000 $64,600 $144,000
File Closed For Incompleteness 9 $875,000 $99,142 $180,000 $54,000 $179,000
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

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 95 $7,990,000 $89,368 $209,000 $38,000 $240,000
Debt-To-Income Ratio 20 $2,332,000 $168,000 $510,000 $48,375 $97,000
Collateral 12 $1,349,000 $113,888 $283,000 $60,222 $120,000
Other 6 $801,000 $129,250 $300,000 $52,000 $108,000
Unverifiable Information 2 $119,000 $59,500 $69,000 $30,000 $45,000
Credit Application Incomplete 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

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