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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 | 726 WELLS STREET
SISTERSVILLE, WV 26175 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 56 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,235,000 |
| Average Mortgage Loan Amount Applied For | $83,000 |
| Highest Mortgage Loan Amount Applied For | $210,000 |
| Average Applicant Income | $45,555 |
| Highest Applicant Income | $126,000 |
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| Home Improvement |
7 | $544,000 |
$77,000 | $100,000 |
$68,000 | $120,000 |
| Home Purchase |
37 | $3,602,000 |
$97,000 | $210,000 |
$53,000 | $126,000 |
| Refinancing |
12 | $1,089,000 |
$90,000 | $171,000 |
$55,000 | $125,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
56 | $5,235,000 |
$93,000 | $210,000 |
$56,000 | $126,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
56 | $5,235,000 |
$93,000 | $210,000 |
$56,000 | $126,000 |
| 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 | $178,000 |
$89,000 | $91,000 |
$47,000 | $55,000 |
| Application Denied By Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
6 | $526,000 |
$87,000 | $154,000 |
$51,000 | $126,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
48 | $4,531,000 |
$94,000 | $210,000 |
$57,000 | $125,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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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