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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 SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST FEDERAL SAVINGS BANK |
| Address | 5001 DAVIS LANT DR
EVANSVILLE, IN 47715 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 245 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,358,000 |
| Average Mortgage Loan Amount Applied For | $83,666 |
| Highest Mortgage Loan Amount Applied For | $613,000 |
| Average Applicant Income | $55,166 |
| Highest Applicant Income | $1,244,000 |
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| Home Improvement |
4 | $552,000 |
$138,000 | $261,000 |
$103,000 | $147,000 |
| Home Purchase |
147 | $13,522,000 |
$91,000 | $613,000 |
$71,000 | $1,244,000 |
| Refinancing |
95 | $6,352,000 |
$66,000 | $197,000 |
$67,000 | $228,000 |
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| American Indian or Alaskan Native |
1 | $44,000 |
$44,000 | $44,000 |
$65,000 | $65,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
15 | $1,116,000 |
$74,000 | $171,000 |
$137,000 | $312,000 |
| Hispanic |
5 | $278,000 |
$55,000 | $92,000 |
$38,000 | $43,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
44 | $2,922,000 |
$66,000 | $223,000 |
$0 | $26,000 |
| Not Provided |
1 | $25,000 |
$25,000 | $25,000 |
$126,000 | $126,000 |
| White |
180 | $16,041,000 |
$89,000 | $613,000 |
$82,000 | $1,244,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
246 | $20,426,000 |
$83,000 | $613,000 |
$70,000 | $1,244,000 |
| 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 |
2 | $79,000 |
$39,000 | $54,000 |
$63,000 | $126,000 |
| Application Denied By Financial Institution |
15 | $1,070,000 |
$71,000 | $148,000 |
$59,000 | $182,000 |
| Application Withdrawn By Applicant |
24 | $2,713,000 |
$113,000 | $613,000 |
$86,000 | $615,000 |
| File Closed For Incompleteness |
6 | $463,000 |
$77,000 | $103,000 |
$45,000 | $74,000 |
| Loan Originated |
199 | $16,101,000 |
$80,000 | $516,000 |
$69,000 | $1,244,000 |
| 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 | $75,000 |
$75,000 | $75,000 |
$23,000 | $23,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $438,000 |
$62,000 | $148,000 |
$67,000 | $117,000 |
| Debt-To-Income Ratio |
2 | $160,000 |
$80,000 | $120,000 |
$33,000 | $53,000 |
| 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 |
5 | $397,000 |
$79,000 | $100,000 |
$66,000 | $182,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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