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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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AMERICAN PARTNERS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN PARTNERS BANK |
| Address | 6903 ROCKLEDGE DRIVE, SUITE 525
BETHESDA, MD 20817 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,310 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $345,307,000 |
| Average Mortgage Loan Amount Applied For | $206,320 |
| Highest Mortgage Loan Amount Applied For | $1,570,000 |
| Average Applicant Income | $107,662 |
| Highest Applicant Income | $1,700,000 |
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| Home Improvement |
39 | $9,701,000 |
$248,000 | $950,000 |
$96,000 | $841,000 |
| Home Purchase |
615 | $162,437,000 |
$264,000 | $1,500,000 |
$146,000 | $1,700,000 |
| Refinancing |
656 | $173,169,000 |
$263,000 | $1,570,000 |
$109,000 | $1,236,000 |
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| American Indian or Alaskan Native |
1 | $76,000 |
$76,000 | $76,000 |
$78,000 | $78,000 |
| Asian |
49 | $15,700,000 |
$320,000 | $1,200,000 |
$179,000 | $552,000 |
| Black or African American |
161 | $37,592,000 |
$233,000 | $960,000 |
$126,000 | $471,000 |
| Hispanic |
201 | $48,263,000 |
$240,000 | $975,000 |
$90,000 | $483,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $1,533,000 |
$383,000 | $600,000 |
$153,000 | $311,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
228 | $57,143,000 |
$250,000 | $1,500,000 |
$121,000 | $1,700,000 |
| White |
666 | $185,000,000 |
$277,000 | $1,570,000 |
$135,000 | $1,320,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,309 | $345,107,000 |
$263,000 | $1,570,000 |
$126,000 | $1,700,000 |
| FHA-insured (Federal Housing Administration) |
1 | $200,000 |
$200,000 | $200,000 |
$166,000 | $166,000 |
| 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 |
129 | $36,417,000 |
$282,000 | $1,500,000 |
$130,000 | $978,000 |
| Application Denied By Financial Institution |
94 | $22,071,000 |
$234,000 | $1,570,000 |
$141,000 | $873,000 |
| Application Withdrawn By Applicant |
37 | $13,199,000 |
$356,000 | $1,499,000 |
$224,000 | $1,236,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,050 | $273,620,000 |
$260,000 | $1,500,000 |
$121,000 | $1,700,000 |
| 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 |
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| Collateral |
17 | $4,842,000 |
$284,000 | $1,000,000 |
$160,000 | $424,000 |
| Credit Application Incomplete |
2 | $785,000 |
$392,000 | $417,000 |
$251,000 | $376,000 |
| Credit History |
21 | $4,299,000 |
$204,000 | $680,000 |
$118,000 | $513,000 |
| Debt-To-Income Ratio |
15 | $2,155,000 |
$143,000 | $640,000 |
$62,000 | $129,000 |
| Employment History |
4 | $987,000 |
$246,000 | $328,000 |
$177,000 | $311,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
9 | $3,135,000 |
$348,000 | $705,000 |
$321,000 | $666,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
11 | $1,877,000 |
$170,000 | $496,000 |
$70,000 | $168,000 |
| Unverifiable Information |
15 | $3,991,000 |
$266,000 | $1,570,000 |
$149,000 | $873,000 |
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Mortgage Loan App Totals for AMERICAN PARTNERS BANK by:
Metropolitan Area And
County
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