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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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FIRST FEDERAL CAPITAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST FEDERAL CAPITAL BANK |
| Address | 605 STATE ST
LACROSSE, WI 54601 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 16,547 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,603,529,000 |
| Average Mortgage Loan Amount Applied For | $99,565 |
| Highest Mortgage Loan Amount Applied For | $4,100,000 |
| Average Applicant Income | $71,141 |
| Highest Applicant Income | $5,305,000 |
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| Home Improvement |
2,702 | $58,933,000 |
$26,250 | $689,000 |
$64,250 | $886,000 |
| Home Purchase |
6,662 | $839,733,000 |
$145,333 | $4,100,000 |
$72,166 | $5,305,000 |
| Refinancing |
8,523 | $857,553,000 |
$99,750 | $3,800,000 |
$65,500 | $2,054,000 |
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| American Indian or Alaskan Native |
115 | $9,195,000 |
$90,600 | $319,000 |
$50,400 | $162,000 |
| Asian |
464 | $51,100,000 |
$127,800 | $622,000 |
$66,400 | $376,000 |
| Black or African American |
206 | $19,193,000 |
$97,750 | $720,000 |
$70,250 | $420,000 |
| Hispanic |
539 | $44,328,000 |
$92,500 | $515,000 |
$60,250 | $2,054,000 |
| Native Hawaiin or Other Pacific Islander |
24 | $2,559,000 |
$123,333 | $450,000 |
$58,666 | $107,000 |
| Not applicable |
123 | $32,218,000 |
$252,000 | $4,100,000 |
$110,500 | $5,305,000 |
| Not Provided |
368 | $15,356,000 |
$48,600 | $326,000 |
$68,800 | $1,197,000 |
| White |
16,048 | $1,582,270,000 |
$131,166 | $3,800,000 |
$65,166 | $2,054,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
17,608 | $1,725,963,000 |
$131,333 | $4,100,000 |
$68,000 | $5,305,000 |
| FHA-insured (Federal Housing Administration) |
119 | $10,412,000 |
$94,000 | $208,000 |
$38,250 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
39 | $4,415,000 |
$108,500 | $194,000 |
$39,000 | $80,000 |
| VA-guaranteed (Veterans Administration) |
121 | $15,429,000 |
$122,500 | $285,000 |
$54,750 | $184,000 |
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| Application Approved But Not Accepted |
410 | $35,008,000 |
$72,500 | $374,000 |
$78,750 | $420,000 |
| Application Denied By Financial Institution |
777 | $45,246,000 |
$54,250 | $3,800,000 |
$44,500 | $685,000 |
| Application Withdrawn By Applicant |
458 | $62,785,000 |
$135,000 | $1,800,000 |
$64,250 | $519,000 |
| File Closed For Incompleteness |
190 | $17,166,000 |
$91,250 | $475,000 |
$55,250 | $267,000 |
| Loan Originated |
14,712 | $1,443,324,000 |
$136,000 | $4,100,000 |
$77,800 | $5,305,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
796 | $99,352,000 |
$124,000 | $540,000 |
$47,000 | $397,000 |
| Preapproval Denied by Financial Institution |
544 | $53,338,000 |
$98,000 | $672,000 |
$37,000 | $360,000 |
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| Collateral |
57 | $3,546,000 |
$75,000 | $342,000 |
$64,500 | $138,000 |
| Credit Application Incomplete |
1 | $76,000 |
$76,000 | $76,000 |
$0 | $0 |
| Credit History |
846 | $56,200,000 |
$45,400 | $360,000 |
$42,400 | $685,000 |
| Debt-To-Income Ratio |
341 | $28,651,000 |
$80,400 | $750,000 |
$37,800 | $141,000 |
| Employment History |
27 | $1,513,000 |
$47,000 | $139,000 |
$45,750 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
12 | $1,308,000 |
$108,250 | $279,000 |
$53,500 | $71,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
32 | $7,128,000 |
$180,000 | $3,800,000 |
$50,000 | $165,000 |
| Unverifiable Information |
5 | $162,000 |
$40,000 | $52,000 |
$75,666 | $173,000 |
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Mortgage Loan App Totals for FIRST FEDERAL CAPITAL BANK by:
Metropolitan Area And
County
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