|
|
| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
|
|
|
|
|
|
ELMIRA SAVINGS BANK FSB
Mortgage Loans and Application Details
|
|
|
|
| Mortgage Company Name |
ELMIRA SAVINGS BANK FSB |
| Address | 333 EAST WATER STREET
ELMIRA, NY 14901 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 669 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $47,825,000 |
| Average Mortgage Loan Amount Applied For | $98,666 |
| Highest Mortgage Loan Amount Applied For | $950,000 |
| Average Applicant Income | $73,833 |
| Highest Applicant Income | $1,198,000 |
|
|
|
| Home Improvement |
207 | $4,127,000 |
$19,000 | $150,000 |
$56,000 | $272,000 |
| Home Purchase |
271 | $27,503,000 |
$101,000 | $950,000 |
$74,000 | $500,000 |
| Refinancing |
233 | $19,241,000 |
$82,000 | $800,000 |
$66,000 | $1,198,000 |
|
|
| American Indian or Alaskan Native |
1 | $41,000 |
$41,000 | $41,000 |
$56,000 | $56,000 |
| Asian |
9 | $794,000 |
$88,000 | $281,000 |
$76,000 | $128,000 |
| Black or African American |
15 | $1,128,000 |
$75,000 | $333,000 |
$72,000 | $319,000 |
| Hispanic |
14 | $1,139,000 |
$81,000 | $200,000 |
$68,000 | $210,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
8 | $118,000 |
$14,000 | $46,000 |
$56,000 | $118,000 |
| White |
664 | $47,651,000 |
$71,000 | $950,000 |
$66,000 | $1,198,000 |
|
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
703 | $50,018,000 |
$71,000 | $950,000 |
$67,000 | $1,198,000 |
| FHA-insured (Federal Housing Administration) |
2 | $135,000 |
$67,000 | $84,000 |
$44,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
6 | $718,000 |
$119,000 | $204,000 |
$45,000 | $72,000 |
|
|
| Application Approved But Not Accepted |
49 | $5,586,000 |
$114,000 | $950,000 |
$85,000 | $500,000 |
| Application Denied By Financial Institution |
92 | $5,127,000 |
$55,000 | $315,000 |
$42,000 | $150,000 |
| Application Withdrawn By Applicant |
21 | $1,222,000 |
$58,000 | $170,000 |
$61,000 | $158,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
508 | $35,954,000 |
$70,000 | $417,000 |
$71,000 | $1,198,000 |
| 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 |
41 | $2,982,000 |
$72,000 | $204,000 |
$39,000 | $118,000 |
|
|
| Collateral |
10 | $588,000 |
$58,000 | $315,000 |
$51,000 | $83,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
79 | $5,114,000 |
$64,000 | $204,000 |
$46,000 | $150,000 |
| Debt-To-Income Ratio |
42 | $2,281,000 |
$54,000 | $196,000 |
$30,000 | $64,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $59,000 |
$59,000 | $59,000 |
$65,000 | $65,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $67,000 |
$67,000 | $67,000 |
$18,000 | $18,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
Mortgage Loan App Totals for ELMIRA SAVINGS BANK FSB by:
Metropolitan Area And
County
|
|
|
|
|
Copyright ©2008 AllMortgageDetail.com All rights reserved.
|
|
