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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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BELMONT FEDERAL S & L ASSN
Mortgage Loans and Application Details
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| Mortgage Company Name |
BELMONT FEDERAL S & L ASSN |
| Address | PO BOX 628 42 CATAWBA ST
BELMONT, NC 28012 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 123 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $19,242,000 |
| Average Mortgage Loan Amount Applied For | $180,875 |
| Highest Mortgage Loan Amount Applied For | $455,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $305,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
77 | $14,244,000 |
$184,000 | $455,000 |
$86,000 | $259,000 |
| Refinancing |
46 | $4,998,000 |
$108,000 | $400,000 |
$75,000 | $305,000 |
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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 |
8 | $888,000 |
$111,000 | $244,000 |
$53,000 | $96,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
115 | $18,354,000 |
$159,000 | $455,000 |
$84,000 | $305,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
123 | $19,242,000 |
$156,000 | $455,000 |
$82,000 | $305,000 |
| 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 |
2 | $370,000 |
$185,000 | $340,000 |
$114,000 | $212,000 |
| Application Denied By Financial Institution |
9 | $1,912,000 |
$212,000 | $455,000 |
$79,000 | $235,000 |
| Application Withdrawn By Applicant |
7 | $820,000 |
$117,000 | $332,000 |
$60,000 | $85,000 |
| File Closed For Incompleteness |
1 | $385,000 |
$385,000 | $385,000 |
$166,000 | $166,000 |
| Loan Originated |
104 | $15,755,000 |
$151,000 | $410,000 |
$82,000 | $305,000 |
| 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 | $455,000 |
$455,000 | $455,000 |
$176,000 | $176,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $497,000 |
$99,000 | $204,000 |
$39,000 | $75,000 |
| Debt-To-Income Ratio |
3 | $960,000 |
$320,000 | $375,000 |
$113,000 | $235,000 |
| 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 BELMONT FEDERAL S & L ASSN by:
Metropolitan Area And
County
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