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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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CREST SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CREST SAVINGS BANK |
| Address | 3301 PACIFIC AVE
WILDWOOD, NJ 08260 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 215 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $38,023,000 |
| Average Mortgage Loan Amount Applied For | $137,428 |
| Highest Mortgage Loan Amount Applied For | $1,450,000 |
| Average Applicant Income | $71,571 |
| Highest Applicant Income | $1,084,000 |
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| Home Improvement |
57 | $6,045,000 |
$106,000 | $655,000 |
$84,000 | $1,084,000 |
| Home Purchase |
81 | $15,629,000 |
$192,000 | $1,092,000 |
$99,000 | $755,000 |
| Refinancing |
77 | $16,349,000 |
$212,000 | $1,450,000 |
$106,000 | $979,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $22,000 |
$22,000 | $22,000 |
$21,000 | $21,000 |
| Black or African American |
5 | $776,000 |
$155,000 | $220,000 |
$67,000 | $92,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $275,000 |
$275,000 | $275,000 |
$453,000 | $453,000 |
| Not applicable |
5 | $4,113,000 |
$822,000 | $1,238,000 |
$0 | $0 |
| Not Provided |
39 | $6,195,000 |
$158,000 | $1,450,000 |
$88,000 | $380,000 |
| White |
164 | $26,642,000 |
$162,000 | $1,400,000 |
$102,000 | $1,084,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
215 | $38,023,000 |
$176,000 | $1,450,000 |
$97,000 | $1,084,000 |
| 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 |
8 | $1,055,000 |
$131,000 | $717,000 |
$141,000 | $755,000 |
| Application Denied By Financial Institution |
31 | $3,455,000 |
$111,000 | $280,000 |
$55,000 | $156,000 |
| Application Withdrawn By Applicant |
3 | $513,000 |
$171,000 | $200,000 |
$119,000 | $180,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
173 | $33,000,000 |
$190,000 | $1,450,000 |
$103,000 | $1,084,000 |
| 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 | $46,000 |
$46,000 | $46,000 |
$47,000 | $47,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $889,000 |
$148,000 | $250,000 |
$52,000 | $122,000 |
| Debt-To-Income Ratio |
22 | $2,381,000 |
$108,000 | $280,000 |
$58,000 | $156,000 |
| Employment History |
1 | $79,000 |
$79,000 | $79,000 |
$29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $60,000 |
$60,000 | $60,000 |
$53,000 | $53,000 |
| 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 CREST SAVINGS BANK by:
Metropolitan Area And
County
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