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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-VANGUARD FEDERAL SAVINGS B
Mortgage Loans and Application Details
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| Mortgage Company Name |
BAY-VANGUARD FEDERAL SAVINGS B |
| Address | 7114 NORTH POINT ROAD
BALTIMORE, MD 21219 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 152 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,686,000 |
| Average Mortgage Loan Amount Applied For | $89,857 |
| Highest Mortgage Loan Amount Applied For | $1,618,000 |
| Average Applicant Income | $70,214 |
| Highest Applicant Income | $484,000 |
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| Home Improvement |
24 | $2,028,000 |
$84,000 | $265,000 |
$68,000 | $157,000 |
| Home Purchase |
103 | $8,069,000 |
$78,000 | $555,000 |
$72,000 | $484,000 |
| Refinancing |
25 | $5,589,000 |
$223,000 | $1,618,000 |
$96,000 | $350,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
12 | $612,000 |
$51,000 | $125,000 |
$52,000 | $167,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $1,898,000 |
$632,000 | $1,618,000 |
$149,000 | $350,000 |
| White |
137 | $13,176,000 |
$96,000 | $1,250,000 |
$76,000 | $484,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
152 | $15,686,000 |
$103,000 | $1,618,000 |
$75,000 | $484,000 |
| 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 |
24 | $1,200,000 |
$50,000 | $97,000 |
$53,000 | $143,000 |
| Application Denied By Financial Institution |
33 | $2,284,000 |
$69,000 | $300,000 |
$50,000 | $167,000 |
| Application Withdrawn By Applicant |
8 | $794,000 |
$99,000 | $290,000 |
$68,000 | $116,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
87 | $11,408,000 |
$131,000 | $1,618,000 |
$91,000 | $484,000 |
| 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 |
17 | $941,000 |
$55,000 | $155,000 |
$57,000 | $167,000 |
| Debt-To-Income Ratio |
15 | $1,243,000 |
$82,000 | $300,000 |
$43,000 | $87,000 |
| Employment History |
1 | $100,000 |
$100,000 | $100,000 |
$47,000 | $47,000 |
| 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-VANGUARD FEDERAL SAVINGS B by:
Metropolitan Area And
County
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