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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 KEYSTONE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST KEYSTONE BANK |
| Address | 22 WEST STATE STREET
MEDIA, PA 19063 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 259 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $34,607,000 |
| Average Mortgage Loan Amount Applied For | $184,500 |
| Highest Mortgage Loan Amount Applied For | $745,000 |
| Average Applicant Income | $169,187 |
| Highest Applicant Income | $679,000 |
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| Home Improvement |
158 | $11,270,000 |
$71,000 | $480,000 |
$95,000 | $347,000 |
| Home Purchase |
56 | $12,751,000 |
$227,000 | $440,000 |
$156,000 | $679,000 |
| Refinancing |
45 | $10,586,000 |
$235,000 | $745,000 |
$125,000 | $375,000 |
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| American Indian or Alaskan Native |
1 | $122,000 |
$122,000 | $122,000 |
$98,000 | $98,000 |
| Asian |
3 | $632,000 |
$210,000 | $300,000 |
$116,000 | $156,000 |
| Black or African American |
7 | $404,000 |
$57,000 | $109,000 |
$128,000 | $300,000 |
| Hispanic |
3 | $411,000 |
$137,000 | $244,000 |
$62,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $200,000 |
$200,000 | $200,000 |
$49,000 | $49,000 |
| White |
244 | $32,838,000 |
$134,000 | $745,000 |
$114,000 | $679,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
259 | $34,607,000 |
$133,000 | $745,000 |
$114,000 | $679,000 |
| 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 | $480,000 |
$240,000 | $305,000 |
$123,000 | $133,000 |
| Application Denied By Financial Institution |
2 | $332,000 |
$166,000 | $232,000 |
$151,000 | $156,000 |
| Application Withdrawn By Applicant |
3 | $1,044,000 |
$348,000 | $557,000 |
$116,000 | $165,000 |
| File Closed For Incompleteness |
1 | $194,000 |
$194,000 | $194,000 |
$343,000 | $343,000 |
| Loan Originated |
249 | $32,023,000 |
$128,000 | $745,000 |
$113,000 | $679,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $534,000 |
$267,000 | $380,000 |
$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 |
1 | $232,000 |
$232,000 | $232,000 |
$156,000 | $156,000 |
| 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 |
1 | $100,000 |
$100,000 | $100,000 |
$146,000 | $146,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST KEYSTONE BANK by:
Metropolitan Area And
County
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