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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, F.S.B.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST SAVINGS BANK, F.S.B. |
| Address | 701 POYNTZ
MANHATTAN, KS 66502 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 552 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $66,174,000 |
| Average Mortgage Loan Amount Applied For | $96,566 |
| Highest Mortgage Loan Amount Applied For | $560,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $556,000 |
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| Home Improvement |
31 | $1,038,000 |
$75,000 | $137,000 |
$96,000 | $287,000 |
| Home Purchase |
306 | $38,220,000 |
$122,600 | $548,000 |
$74,600 | $556,000 |
| Refinancing |
215 | $26,916,000 |
$86,000 | $560,000 |
$50,500 | $279,000 |
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| American Indian or Alaskan Native |
1 | $70,000 |
$70,000 | $70,000 |
$16,000 | $16,000 |
| Asian |
14 | $1,362,000 |
$83,000 | $182,000 |
$39,000 | $92,000 |
| Black or African American |
24 | $2,641,000 |
$110,000 | $320,000 |
$72,000 | $556,000 |
| Hispanic |
14 | $1,561,000 |
$111,000 | $281,000 |
$61,000 | $126,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $498,000 |
$166,000 | $225,000 |
$64,000 | $77,000 |
| Not applicable |
22 | $3,912,000 |
$177,000 | $560,000 |
$0 | $0 |
| Not Provided |
1 | $65,000 |
$65,000 | $65,000 |
$0 | $0 |
| White |
473 | $56,065,000 |
$119,833 | $425,000 |
$84,166 | $350,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
504 | $59,270,000 |
$118,600 | $560,000 |
$75,400 | $556,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $120,000 |
$120,000 | $120,000 |
$120,000 | $120,000 |
| VA-guaranteed (Veterans Administration) |
47 | $6,784,000 |
$144,000 | $349,000 |
$59,000 | $110,000 |
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| Application Approved But Not Accepted |
1 | $161,000 |
$161,000 | $161,000 |
$81,000 | $81,000 |
| Application Denied By Financial Institution |
37 | $4,103,000 |
$130,333 | $360,000 |
$74,000 | $279,000 |
| Application Withdrawn By Applicant |
40 | $4,741,000 |
$118,000 | $358,000 |
$65,000 | $168,000 |
| File Closed For Incompleteness |
3 | $326,000 |
$108,000 | $150,000 |
$64,000 | $71,000 |
| Loan Originated |
471 | $56,843,000 |
$108,750 | $560,000 |
$80,500 | $556,000 |
| 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 | $74,000 |
$74,000 | $74,000 |
$37,000 | $37,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
22 | $2,042,000 |
$92,000 | $360,000 |
$34,000 | $105,000 |
| Debt-To-Income Ratio |
12 | $1,705,000 |
$142,000 | $360,000 |
$68,000 | $279,000 |
| 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 |
2 | $282,000 |
$141,000 | $162,000 |
$88,000 | $120,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST SAVINGS BANK, F.S.B. by:
Metropolitan Area And
County
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