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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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COMMUNITY SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY SAVINGS BANK |
| Address | 101 E UNION ST PO BOX 77
EDGEWOOD, IA 52042 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 317 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,078,000 |
| Average Mortgage Loan Amount Applied For | $121,500 |
| Highest Mortgage Loan Amount Applied For | $975,000 |
| Average Applicant Income | $68,350 |
| Highest Applicant Income | $1,200,000 |
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| Home Improvement |
76 | $2,898,000 |
$38,000 | $975,000 |
$59,000 | $147,000 |
| Home Purchase |
153 | $15,815,000 |
$103,000 | $566,000 |
$63,000 | $214,000 |
| Refinancing |
88 | $10,365,000 |
$117,000 | $700,000 |
$88,000 | $1,200,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $186,000 |
$93,000 | $145,000 |
$68,000 | $80,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $2,390,000 |
$265,000 | $975,000 |
$0 | $0 |
| Not Provided |
1 | $5,000 |
$5,000 | $5,000 |
$108,000 | $108,000 |
| White |
305 | $26,497,000 |
$86,000 | $700,000 |
$71,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
305 | $27,690,000 |
$90,000 | $975,000 |
$67,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
12 | $1,388,000 |
$115,000 | $627,000 |
$115,000 | $957,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
11 | $1,252,000 |
$113,000 | $260,000 |
$73,000 | $193,000 |
| Application Denied By Financial Institution |
14 | $833,000 |
$59,000 | $185,000 |
$37,000 | $60,000 |
| Application Withdrawn By Applicant |
3 | $197,000 |
$65,000 | $130,000 |
$53,000 | $80,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
288 | $26,471,000 |
$91,000 | $975,000 |
$71,000 | $1,200,000 |
| Loan Purchased By The Institution |
1 | $325,000 |
$325,000 | $325,000 |
$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 |
3 | $181,000 |
$60,000 | $94,000 |
$36,000 | $43,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $300,000 |
$42,000 | $108,000 |
$39,000 | $60,000 |
| Debt-To-Income Ratio |
2 | $209,000 |
$104,000 | $185,000 |
$35,000 | $47,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $58,000 |
$58,000 | $58,000 |
$35,000 | $35,000 |
| 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 COMMUNITY SAVINGS BANK by:
Metropolitan Area And
County
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