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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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A J SMITH FEDERAL SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
A J SMITH FEDERAL SAVINGS BANK |
| Address | 14757 S CICERO AVE
MIDLOTHIAN, IL 60445 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 87 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,715,000 |
| Average Mortgage Loan Amount Applied For | $265,600 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $122,200 |
| Highest Applicant Income | $456,000 |
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| Home Improvement |
2 | $87,000 |
$43,000 | $70,000 |
$100,000 | $139,000 |
| Home Purchase |
33 | $6,933,000 |
$210,000 | $800,000 |
$85,000 | $456,000 |
| Refinancing |
53 | $6,875,000 |
$129,000 | $314,000 |
$67,000 | $195,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
16 | $2,283,000 |
$142,000 | $437,000 |
$41,000 | $132,000 |
| Hispanic |
7 | $1,074,000 |
$153,000 | $410,000 |
$37,000 | $90,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
65 | $10,538,000 |
$162,000 | $800,000 |
$87,000 | $456,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
88 | $13,895,000 |
$157,000 | $800,000 |
$75,000 | $456,000 |
| 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 | $125,000 |
$125,000 | $125,000 |
$44,000 | $44,000 |
| Application Denied By Financial Institution |
6 | $936,000 |
$156,000 | $203,000 |
$64,000 | $113,000 |
| Application Withdrawn By Applicant |
9 | $1,299,000 |
$144,000 | $330,000 |
$81,000 | $292,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
71 | $11,355,000 |
$159,000 | $800,000 |
$76,000 | $456,000 |
| 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 | $180,000 |
$180,000 | $180,000 |
$43,000 | $43,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $562,000 |
$140,000 | $180,000 |
$72,000 | $113,000 |
| Debt-To-Income Ratio |
3 | $554,000 |
$184,000 | $203,000 |
$47,000 | $90,000 |
| 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 A J SMITH FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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