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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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BALTIMORE COUNTY SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
BALTIMORE COUNTY SAVINGS BANK |
| Address | 4111 E. JOPPA ROAD
BALTIMORE, MD 21236 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 354 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $50,230,000 |
| Average Mortgage Loan Amount Applied For | $189,222 |
| Highest Mortgage Loan Amount Applied For | $1,850,000 |
| Average Applicant Income | $109,444 |
| Highest Applicant Income | $849,000 |
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| Home Improvement |
135 | $11,043,000 |
$81,000 | $440,000 |
$94,000 | $276,000 |
| Home Purchase |
64 | $16,543,000 |
$258,000 | $1,200,000 |
$78,000 | $287,000 |
| Refinancing |
155 | $22,644,000 |
$146,000 | $1,850,000 |
$109,000 | $849,000 |
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| American Indian or Alaskan Native |
2 | $580,000 |
$290,000 | $480,000 |
$75,000 | $91,000 |
| Asian |
8 | $1,979,000 |
$247,000 | $750,000 |
$137,000 | $240,000 |
| Black or African American |
9 | $897,000 |
$99,000 | $440,000 |
$78,000 | $157,000 |
| Hispanic |
1 | $350,000 |
$350,000 | $350,000 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
24 | $4,166,000 |
$173,000 | $365,000 |
$0 | $0 |
| Not Provided |
69 | $6,464,000 |
$93,000 | $500,000 |
$101,000 | $823,000 |
| White |
241 | $35,794,000 |
$148,000 | $1,850,000 |
$107,000 | $849,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
354 | $50,230,000 |
$141,000 | $1,850,000 |
$98,000 | $849,000 |
| 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 |
7 | $1,064,000 |
$152,000 | $350,000 |
$57,000 | $136,000 |
| Application Denied By Financial Institution |
5 | $308,000 |
$61,000 | $98,000 |
$35,000 | $61,000 |
| Application Withdrawn By Applicant |
5 | $569,000 |
$113,000 | $260,000 |
$67,000 | $104,000 |
| File Closed For Incompleteness |
10 | $956,000 |
$95,000 | $200,000 |
$45,000 | $240,000 |
| Loan Originated |
327 | $47,333,000 |
$144,000 | $1,850,000 |
$102,000 | $849,000 |
| 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 |
1 | $98,000 |
$98,000 | $98,000 |
$32,000 | $32,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $200,000 |
$66,000 | $90,000 |
$35,000 | $61,000 |
| Debt-To-Income Ratio |
1 | $10,000 |
$10,000 | $10,000 |
$40,000 | $40,000 |
| 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 BALTIMORE COUNTY SAVINGS BANK by:
Metropolitan Area And
County
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