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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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BANKANNAPOLIS
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANKANNAPOLIS |
| Address | 1000 BESTGATE ROAD, SUITE 400
ANNAPOLIS, MD 21401 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 81 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $35,122,000 |
| Average Mortgage Loan Amount Applied For | $376,928 |
| Highest Mortgage Loan Amount Applied For | $1,800,000 |
| Average Applicant Income | $170,500 |
| Highest Applicant Income | $897,000 |
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| Home Improvement |
7 | $3,482,000 |
$497,000 | $1,112,000 |
$130,000 | $244,000 |
| Home Purchase |
53 | $22,324,000 |
$421,000 | $1,800,000 |
$126,000 | $897,000 |
| Refinancing |
21 | $9,316,000 |
$443,000 | $1,340,000 |
$212,000 | $856,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $100,000 |
$100,000 | $100,000 |
$280,000 | $280,000 |
| Black or African American |
1 | $263,000 |
$263,000 | $263,000 |
$182,000 | $182,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
22 | $7,928,000 |
$360,000 | $833,000 |
$0 | $0 |
| Not Provided |
2 | $778,000 |
$389,000 | $600,000 |
$128,000 | $143,000 |
| White |
55 | $26,053,000 |
$473,000 | $1,800,000 |
$206,000 | $897,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
81 | $35,122,000 |
$433,000 | $1,800,000 |
$148,000 | $897,000 |
| 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 | $3,742,000 |
$534,000 | $1,800,000 |
$201,000 | $897,000 |
| Application Denied By Financial Institution |
5 | $2,419,000 |
$483,000 | $708,000 |
$186,000 | $262,000 |
| Application Withdrawn By Applicant |
3 | $1,464,000 |
$488,000 | $1,000,000 |
$97,000 | $184,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
66 | $27,497,000 |
$416,000 | $1,340,000 |
$142,000 | $856,000 |
| 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 |
2 | $1,301,000 |
$650,000 | $708,000 |
$164,000 | $261,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $178,000 |
$178,000 | $178,000 |
$113,000 | $113,000 |
| Debt-To-Income Ratio |
1 | $625,000 |
$625,000 | $625,000 |
$227,000 | $227,000 |
| 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 |
1 | $315,000 |
$315,000 | $315,000 |
$262,000 | $262,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BANKANNAPOLIS by:
Metropolitan Area And
County
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