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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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BAY NET A COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
BAY NET A COMMUNITY BANK |
| Address | 126 N. MAIN STREET
BEL AIR, MD 21014 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 56 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,202,000 |
| Average Mortgage Loan Amount Applied For | $215,625 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $75,875 |
| Highest Applicant Income | $367,000 |
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| Home Improvement |
3 | $55,000 |
$18,000 | $24,000 |
$86,000 | $118,000 |
| Home Purchase |
33 | $4,404,000 |
$195,000 | $459,000 |
$79,000 | $367,000 |
| Refinancing |
20 | $2,743,000 |
$115,000 | $500,000 |
$20,500 | $113,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $29,000 |
$29,000 | $29,000 |
$31,000 | $31,000 |
| Black or African American |
1 | $36,000 |
$36,000 | $36,000 |
$36,000 | $36,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
21 | $2,431,000 |
$102,500 | $275,000 |
$0 | $0 |
| Not Provided |
10 | $2,002,000 |
$264,000 | $500,000 |
$102,333 | $234,000 |
| White |
23 | $2,704,000 |
$89,500 | $459,000 |
$103,000 | $367,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
56 | $7,202,000 |
$191,333 | $500,000 |
$56,666 | $367,000 |
| 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 |
2 | $670,000 |
$335,000 | $500,000 |
$69,000 | $78,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
54 | $6,532,000 |
$188,333 | $459,000 |
$56,666 | $367,000 |
| 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 |
2 | $670,000 |
$335,000 | $500,000 |
$69,000 | $78,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 BAY NET A COMMUNITY BANK by:
Metropolitan Area And
County
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