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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 SAVINGS BANK, A FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST SAVINGS BANK, A FSB |
| Address | 123 PORTAGE AVENUE
THREE RIVERS, MI 49093 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 138 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,249,000 |
| Average Mortgage Loan Amount Applied For | $131,777 |
| Highest Mortgage Loan Amount Applied For | $660,000 |
| Average Applicant Income | $67,666 |
| Highest Applicant Income | $310,000 |
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| Home Improvement |
3 | $69,000 |
$23,000 | $32,000 |
$73,000 | $136,000 |
| Home Purchase |
75 | $8,771,000 |
$116,000 | $323,000 |
$62,000 | $310,000 |
| Refinancing |
71 | $6,657,000 |
$93,000 | $660,000 |
$54,000 | $212,000 |
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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 |
4 | $360,000 |
$90,000 | $180,000 |
$31,000 | $48,000 |
| Hispanic |
5 | $596,000 |
$119,000 | $225,000 |
$63,000 | $123,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $181,000 |
$181,000 | $181,000 |
$99,000 | $99,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $229,000 |
$114,000 | $147,000 |
$24,000 | $26,000 |
| White |
137 | $14,131,000 |
$103,000 | $660,000 |
$59,000 | $310,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
149 | $15,497,000 |
$104,000 | $660,000 |
$58,000 | $310,000 |
| 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 |
18 | $2,153,000 |
$119,000 | $250,000 |
$48,000 | $104,000 |
| Application Denied By Financial Institution |
31 | $3,736,000 |
$120,000 | $660,000 |
$40,000 | $110,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
100 | $9,608,000 |
$96,000 | $323,000 |
$66,000 | $310,000 |
| 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 | $50,000 |
$50,000 | $50,000 |
$24,000 | $24,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
22 | $2,353,000 |
$106,000 | $440,000 |
$42,000 | $110,000 |
| Debt-To-Income Ratio |
3 | $880,000 |
$293,000 | $660,000 |
$40,000 | $69,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $60,000 |
$60,000 | $60,000 |
$53,000 | $53,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $369,000 |
$123,000 | $147,000 |
$31,000 | $45,000 |
| Unverifiable Information |
1 | $24,000 |
$24,000 | $24,000 |
$20,000 | $20,000 |
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Mortgage Loan App Totals for FIRST SAVINGS BANK, A FSB by:
Metropolitan Area And
County
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