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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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CLIFTON SAVINGS BANK, S.L.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
CLIFTON SAVINGS BANK, S.L.A. |
| Address | 1433 VAN HOUTEN AVENUE, P.O. BOX 2149
CLIFTON, NJ 07015-2149 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 321 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $77,868,000 |
| Average Mortgage Loan Amount Applied For | $240,000 |
| Highest Mortgage Loan Amount Applied For | $1,100,000 |
| Average Applicant Income | $128,823 |
| Highest Applicant Income | $1,415,000 |
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| Home Improvement |
99 | $14,014,000 |
$141,000 | $1,000,000 |
$114,000 | $514,000 |
| Home Purchase |
120 | $40,632,000 |
$338,000 | $1,100,000 |
$172,000 | $1,415,000 |
| Refinancing |
102 | $23,222,000 |
$227,000 | $750,000 |
$126,000 | $527,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
48 | $16,444,000 |
$342,000 | $1,000,000 |
$164,000 | $527,000 |
| Black or African American |
2 | $295,000 |
$147,000 | $265,000 |
$115,000 | $193,000 |
| Hispanic |
14 | $1,941,000 |
$138,000 | $432,000 |
$79,000 | $172,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
15 | $4,095,000 |
$273,000 | $436,000 |
$53,000 | $138,000 |
| Not Provided |
51 | $14,717,000 |
$288,000 | $1,100,000 |
$210,000 | $1,278,000 |
| White |
191 | $40,376,000 |
$211,000 | $1,000,000 |
$126,000 | $1,415,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
321 | $77,868,000 |
$242,000 | $1,100,000 |
$140,000 | $1,415,000 |
| 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 |
9 | $1,826,000 |
$202,000 | $415,000 |
$92,000 | $132,000 |
| Application Denied By Financial Institution |
36 | $7,961,000 |
$221,000 | $750,000 |
$82,000 | $243,000 |
| Application Withdrawn By Applicant |
4 | $748,000 |
$187,000 | $320,000 |
$93,000 | $124,000 |
| File Closed For Incompleteness |
1 | $25,000 |
$25,000 | $25,000 |
$33,000 | $33,000 |
| Loan Originated |
257 | $63,648,000 |
$247,000 | $1,100,000 |
$155,000 | $1,415,000 |
| Loan Purchased By The Institution |
14 | $3,660,000 |
$261,000 | $436,000 |
$57,000 | $138,000 |
| 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 |
3 | $715,000 |
$238,000 | $445,000 |
$97,000 | $243,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $1,050,000 |
$262,000 | $385,000 |
$119,000 | $159,000 |
| Debt-To-Income Ratio |
28 | $5,852,000 |
$209,000 | $750,000 |
$72,000 | $175,000 |
| 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 | $344,000 |
$344,000 | $344,000 |
$168,000 | $168,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CLIFTON SAVINGS BANK, S.L.A. by:
Metropolitan Area And
County
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