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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 SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN SAVINGS BANK |
| Address | 915 FORT ST MALL, 3RD FLOOR
HONOLULU, HI 96813 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,902 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $587,714,000 |
| Average Mortgage Loan Amount Applied For | $313,000 |
| Highest Mortgage Loan Amount Applied For | $2,196,000 |
| Average Applicant Income | $106,750 |
| Highest Applicant Income | $1,904,000 |
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| Home Improvement |
326 | $109,613,000 |
$336,000 | $2,000,000 |
$100,000 | $1,161,000 |
| Home Purchase |
568 | $201,917,000 |
$355,000 | $2,025,000 |
$140,000 | $1,904,000 |
| Refinancing |
1,008 | $276,184,000 |
$273,000 | $2,196,000 |
$87,000 | $1,389,000 |
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| American Indian or Alaskan Native |
10 | $2,697,000 |
$269,000 | $540,000 |
$84,000 | $172,000 |
| Asian |
1,005 | $308,572,000 |
$307,000 | $2,025,000 |
$93,000 | $1,904,000 |
| Black or African American |
12 | $3,854,000 |
$321,000 | $650,000 |
$81,000 | $169,000 |
| Hispanic |
35 | $10,332,000 |
$295,000 | $811,000 |
$90,000 | $323,000 |
| Native Hawaiin or Other Pacific Islander |
297 | $79,570,000 |
$267,000 | $1,070,000 |
$75,000 | $516,000 |
| Not applicable |
3 | $620,000 |
$206,000 | $288,000 |
$286,000 | $598,000 |
| Not Provided |
2 | $555,000 |
$277,000 | $480,000 |
$66,000 | $98,000 |
| White |
538 | $181,514,000 |
$337,000 | $2,196,000 |
$144,000 | $1,389,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,902 | $587,714,000 |
$308,000 | $2,196,000 |
$105,000 | $1,904,000 |
| 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 |
10 | $2,231,000 |
$223,000 | $425,000 |
$80,000 | $143,000 |
| Application Denied By Financial Institution |
115 | $43,032,000 |
$374,000 | $2,080,000 |
$136,000 | $1,161,000 |
| Application Withdrawn By Applicant |
277 | $97,981,000 |
$353,000 | $2,196,000 |
$111,000 | $1,300,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,500 | $444,470,000 |
$296,000 | $2,025,000 |
$102,000 | $1,904,000 |
| 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 |
7 | $1,538,000 |
$219,000 | $384,000 |
$102,000 | $168,000 |
| Credit Application Incomplete |
25 | $13,527,000 |
$541,000 | $2,080,000 |
$261,000 | $1,161,000 |
| Credit History |
20 | $6,150,000 |
$307,000 | $1,085,000 |
$105,000 | $938,000 |
| Debt-To-Income Ratio |
38 | $11,901,000 |
$313,000 | $1,000,000 |
$63,000 | $174,000 |
| Employment History |
2 | $280,000 |
$140,000 | $196,000 |
$36,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $775,000 |
$387,000 | $625,000 |
$74,000 | $122,000 |
| Mortgage Insurance Denied |
3 | $939,000 |
$313,000 | $504,000 |
$87,000 | $118,000 |
| Other |
15 | $6,661,000 |
$444,000 | $836,000 |
$196,000 | $424,000 |
| Unverifiable Information |
3 | $1,261,000 |
$420,000 | $680,000 |
$166,000 | $294,000 |
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Mortgage Loan App Totals for AMERICAN SAVINGS BANK by:
Metropolitan Area And
County
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