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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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ESB BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ESB BANK |
| Address | 600 LAWRENCE AVE
ELLWOOD CITY, PA 16117 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,024 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $113,535,000 |
| Average Mortgage Loan Amount Applied For | $162,545 |
| Highest Mortgage Loan Amount Applied For | $1,300,000 |
| Average Applicant Income | $144,272 |
| Highest Applicant Income | $2,695,000 |
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| Home Improvement |
237 | $7,554,000 |
$31,000 | $260,000 |
$71,000 | $590,000 |
| Home Purchase |
453 | $78,581,000 |
$173,000 | $1,275,000 |
$130,000 | $1,373,000 |
| Refinancing |
334 | $27,400,000 |
$82,000 | $1,300,000 |
$126,000 | $2,695,000 |
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| American Indian or Alaskan Native |
1 | $60,000 |
$60,000 | $60,000 |
$68,000 | $68,000 |
| Asian |
15 | $3,234,000 |
$215,000 | $780,000 |
$193,000 | $652,000 |
| Black or African American |
12 | $2,133,000 |
$177,000 | $1,200,000 |
$110,000 | $438,000 |
| Hispanic |
10 | $874,000 |
$87,000 | $273,000 |
$85,000 | $235,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $2,927,000 |
$418,000 | $1,300,000 |
$198,000 | $483,000 |
| Not Provided |
23 | $6,425,000 |
$279,000 | $840,000 |
$252,000 | $1,516,000 |
| White |
956 | $97,882,000 |
$102,000 | $1,275,000 |
$110,000 | $2,695,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,024 | $113,535,000 |
$110,000 | $1,300,000 |
$115,000 | $2,695,000 |
| 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 |
19 | $4,699,000 |
$247,000 | $976,000 |
$127,000 | $346,000 |
| Application Denied By Financial Institution |
77 | $5,223,000 |
$67,000 | $896,000 |
$55,000 | $156,000 |
| Application Withdrawn By Applicant |
84 | $6,577,000 |
$78,000 | $321,000 |
$85,000 | $344,000 |
| File Closed For Incompleteness |
1 | $10,000 |
$10,000 | $10,000 |
$23,000 | $23,000 |
| Loan Originated |
843 | $97,026,000 |
$115,000 | $1,300,000 |
$123,000 | $2,695,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
32 | $1,461,000 |
$45,000 | $142,000 |
$52,000 | $116,000 |
| Debt-To-Income Ratio |
36 | $3,119,000 |
$86,000 | $896,000 |
$53,000 | $156,000 |
| Employment History |
2 | $277,000 |
$138,000 | $184,000 |
$72,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
7 | $366,000 |
$52,000 | $132,000 |
$71,000 | $111,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ESB BANK by:
Metropolitan Area And
County
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