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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST SAVINGS BANK |
| Address | 201 N. THIRD STREET
BERESFORD, SD 57004 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 188 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $21,900,000 |
| Average Mortgage Loan Amount Applied For | $150,566 |
| Highest Mortgage Loan Amount Applied For | $1,789,000 |
| Average Applicant Income | $56,233 |
| Highest Applicant Income | $1,025,000 |
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| Home Improvement |
21 | $1,156,000 |
$55,000 | $771,000 |
$76,000 | $876,000 |
| Home Purchase |
87 | $10,186,000 |
$117,000 | $760,000 |
$70,000 | $1,025,000 |
| Refinancing |
80 | $10,558,000 |
$131,000 | $1,789,000 |
$46,000 | $220,000 |
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| American Indian or Alaskan Native |
3 | $135,000 |
$45,000 | $75,000 |
$46,000 | $100,000 |
| Asian |
3 | $519,000 |
$173,000 | $319,000 |
$32,000 | $61,000 |
| Black or African American |
5 | $446,000 |
$89,000 | $188,000 |
$40,000 | $80,000 |
| Hispanic |
34 | $3,466,000 |
$101,000 | $771,000 |
$63,000 | $876,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $1,919,000 |
$959,000 | $1,789,000 |
$0 | $0 |
| Not applicable |
16 | $5,023,000 |
$313,000 | $984,000 |
$94,000 | $1,025,000 |
| Not Provided |
1 | $4,000 |
$4,000 | $4,000 |
$30,000 | $30,000 |
| White |
124 | $10,388,000 |
$83,000 | $450,000 |
$59,000 | $392,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
188 | $21,900,000 |
$116,000 | $1,789,000 |
$61,000 | $1,025,000 |
| 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 |
1 | $64,000 |
$64,000 | $64,000 |
$13,000 | $13,000 |
| Application Denied By Financial Institution |
38 | $2,213,000 |
$58,000 | $300,000 |
$39,000 | $140,000 |
| Application Withdrawn By Applicant |
38 | $3,225,000 |
$84,000 | $450,000 |
$51,000 | $177,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
109 | $16,323,000 |
$149,000 | $1,789,000 |
$73,000 | $1,025,000 |
| Loan Purchased By The Institution |
2 | $75,000 |
$37,000 | $40,000 |
$10,000 | $21,000 |
| 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 | $79,000 |
$79,000 | $79,000 |
$29,000 | $29,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
28 | $1,395,000 |
$49,000 | $144,000 |
$43,000 | $140,000 |
| Debt-To-Income Ratio |
9 | $739,000 |
$82,000 | $300,000 |
$26,000 | $48,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST SAVINGS BANK by:
Metropolitan Area And
County
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