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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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DRYADES SAVINGS BANK, F.S.B.
Mortgage Loans and Application Details
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| Mortgage Company Name |
DRYADES SAVINGS BANK, F.S.B. |
| Address | 233 CARONDELET
NEW ORLEANS, LA 70130 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 115 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,839,000 |
| Average Mortgage Loan Amount Applied For | $136,090 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $67,727 |
| Highest Applicant Income | $259,000 |
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| Home Improvement |
5 | $115,000 |
$23,000 | $50,000 |
$138,000 | $259,000 |
| Home Purchase |
90 | $12,299,000 |
$136,000 | $417,000 |
$59,000 | $245,000 |
| Refinancing |
22 | $2,812,000 |
$127,000 | $333,000 |
$60,000 | $155,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $212,000 |
$106,000 | $117,000 |
$38,000 | $52,000 |
| Black or African American |
34 | $4,531,000 |
$133,000 | $417,000 |
$72,000 | $259,000 |
| Hispanic |
4 | $451,000 |
$112,000 | $138,000 |
$37,000 | $43,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $274,000 |
$137,000 | $169,000 |
$36,000 | $45,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
75 | $9,758,000 |
$130,000 | $341,000 |
$61,000 | $245,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
77 | $9,460,000 |
$122,000 | $333,000 |
$69,000 | $259,000 |
| FHA-insured (Federal Housing Administration) |
20 | $2,263,000 |
$113,000 | $156,000 |
$43,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
20 | $3,503,000 |
$175,000 | $417,000 |
$56,000 | $106,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
10 | $1,108,000 |
$110,000 | $333,000 |
$87,000 | $259,000 |
| Application Withdrawn By Applicant |
14 | $1,816,000 |
$129,000 | $227,000 |
$61,000 | $127,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
93 | $12,302,000 |
$132,000 | $417,000 |
$60,000 | $245,000 |
| 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 |
1 | $16,000 |
$16,000 | $16,000 |
$42,000 | $42,000 |
| Credit History |
5 | $758,000 |
$151,000 | $333,000 |
$81,000 | $124,000 |
| Debt-To-Income Ratio |
3 | $285,000 |
$95,000 | $167,000 |
$126,000 | $259,000 |
| 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 | $49,000 |
$49,000 | $49,000 |
$45,000 | $45,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for DRYADES SAVINGS BANK, F.S.B. by:
Metropolitan Area And
County
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