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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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ACUITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ACUITY BANK |
| Address | 110 W VETERANS ST, PO BOX 880
TOMAH, WI 54660 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 222 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $21,708,000 |
| Average Mortgage Loan Amount Applied For | $100,769 |
| Highest Mortgage Loan Amount Applied For | $465,000 |
| Average Applicant Income | $67,153 |
| Highest Applicant Income | $508,000 |
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| Home Improvement |
23 | $445,000 |
$19,000 | $50,000 |
$67,000 | $142,000 |
| Home Purchase |
89 | $9,307,000 |
$104,000 | $351,000 |
$57,000 | $259,000 |
| Refinancing |
121 | $13,496,000 |
$111,000 | $465,000 |
$70,000 | $508,000 |
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| American Indian or Alaskan Native |
2 | $245,000 |
$122,000 | $162,000 |
$42,000 | $52,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
5 | $601,000 |
$120,000 | $210,000 |
$63,000 | $115,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $551,000 |
$183,000 | $320,000 |
$110,000 | $152,000 |
| White |
223 | $21,851,000 |
$97,000 | $465,000 |
$65,000 | $508,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
233 | $23,248,000 |
$99,000 | $465,000 |
$65,000 | $508,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
46 | $4,550,000 |
$98,000 | $465,000 |
$47,000 | $174,000 |
| Application Withdrawn By Applicant |
18 | $2,310,000 |
$128,000 | $320,000 |
$54,000 | $152,000 |
| File Closed For Incompleteness |
3 | $359,000 |
$119,000 | $147,000 |
$80,000 | $120,000 |
| Loan Originated |
165 | $15,949,000 |
$96,000 | $416,000 |
$70,000 | $508,000 |
| 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 | $80,000 |
$80,000 | $80,000 |
$204,000 | $204,000 |
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| Collateral |
2 | $87,000 |
$43,000 | $81,000 |
$39,000 | $51,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
28 | $2,412,000 |
$86,000 | $465,000 |
$47,000 | $204,000 |
| Debt-To-Income Ratio |
14 | $1,861,000 |
$132,000 | $350,000 |
$62,000 | $174,000 |
| Employment History |
1 | $95,000 |
$95,000 | $95,000 |
$42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $97,000 |
$97,000 | $97,000 |
$42,000 | $42,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $78,000 |
$78,000 | $78,000 |
$27,000 | $27,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ACUITY BANK by:
Metropolitan Area And
County
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