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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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ATLANTIC SAVINGS
Mortgage Loans and Application Details
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| Mortgage Company Name |
ATLANTIC SAVINGS |
| Address | 5776 STONERIDGE MALL RD #288
PLEASANTON, CA 94588 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 368 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $127,299,000 |
| Average Mortgage Loan Amount Applied For | $383,259 |
| Highest Mortgage Loan Amount Applied For | $3,150,000 |
| Average Applicant Income | $71,074 |
| Highest Applicant Income | $572,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
256 | $88,902,000 |
$347,000 | $3,700,000 |
$52,000 | $1,080,000 |
| Refinancing |
209 | $74,354,000 |
$355,000 | $1,200,000 |
$53,000 | $696,000 |
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| American Indian or Alaskan Native |
1 | $1,200,000 |
$1,200,000 | $1,200,000 |
$0 | $0 |
| Asian |
7 | $1,824,000 |
$260,000 | $464,000 |
$134,000 | $168,000 |
| Black or African American |
4 | $1,052,000 |
$263,000 | $415,000 |
$0 | $0 |
| Hispanic |
108 | $35,638,000 |
$329,000 | $1,069,000 |
$27,000 | $190,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $655,000 |
$218,000 | $344,000 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
338 | $121,191,000 |
$358,000 | $3,700,000 |
$60,000 | $1,080,000 |
| White |
4 | $1,696,000 |
$424,000 | $650,000 |
$23,000 | $93,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
465 | $163,256,000 |
$351,000 | $3,700,000 |
$52,000 | $1,080,000 |
| 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 |
82 | $32,938,000 |
$401,000 | $3,150,000 |
$33,000 | $260,000 |
| Application Withdrawn By Applicant |
265 | $91,550,000 |
$345,000 | $3,700,000 |
$57,000 | $1,080,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
118 | $38,768,000 |
$328,000 | $1,049,000 |
$55,000 | $572,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $7,372,000 |
$460,000 | $3,150,000 |
$19,000 | $104,000 |
| Debt-To-Income Ratio |
6 | $2,367,000 |
$394,000 | $644,000 |
$0 | $0 |
| Employment History |
4 | $1,521,000 |
$380,000 | $648,000 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $71,000 |
$71,000 | $71,000 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
11 | $4,654,000 |
$423,000 | $1,200,000 |
$0 | $0 |
| Unverifiable Information |
12 | $4,140,000 |
$345,000 | $1,125,000 |
$87,000 | $194,000 |
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Mortgage Loan App Totals for ATLANTIC SAVINGS by:
Metropolitan Area And
County
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