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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 WASHINGTON STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST WASHINGTON STATE BANK |
| Address | 3975 TOWNSHIP LINE ROAD
BETHLEHEM, PA 18020 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 301 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $49,109,000 |
| Average Mortgage Loan Amount Applied For | $315,272 |
| Highest Mortgage Loan Amount Applied For | $2,050,000 |
| Average Applicant Income | $59,454 |
| Highest Applicant Income | $352,000 |
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| Home Improvement |
102 | $4,808,000 |
$47,000 | $282,000 |
$83,000 | $283,000 |
| Home Purchase |
59 | $16,966,000 |
$287,000 | $1,800,000 |
$69,000 | $352,000 |
| Refinancing |
146 | $27,801,000 |
$190,000 | $2,050,000 |
$73,000 | $308,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
8 | $1,945,000 |
$243,000 | $720,000 |
$172,000 | $308,000 |
| Black or African American |
15 | $2,238,000 |
$149,000 | $735,000 |
$65,000 | $114,000 |
| Hispanic |
14 | $1,486,000 |
$106,000 | $313,000 |
$37,000 | $83,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
15 | $10,053,000 |
$670,000 | $1,800,000 |
$0 | $0 |
| Not Provided |
14 | $2,035,000 |
$145,000 | $430,000 |
$59,000 | $113,000 |
| White |
241 | $31,818,000 |
$132,000 | $2,050,000 |
$81,000 | $352,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
306 | $49,555,000 |
$161,000 | $2,050,000 |
$76,000 | $352,000 |
| FHA-insured (Federal Housing Administration) |
1 | $20,000 |
$20,000 | $20,000 |
$8,000 | $8,000 |
| 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 |
5 | $578,000 |
$115,000 | $320,000 |
$56,000 | $96,000 |
| Application Denied By Financial Institution |
52 | $10,122,000 |
$194,000 | $2,050,000 |
$69,000 | $352,000 |
| Application Withdrawn By Applicant |
15 | $4,061,000 |
$270,000 | $720,000 |
$80,000 | $201,000 |
| File Closed For Incompleteness |
1 | $100,000 |
$100,000 | $100,000 |
$55,000 | $55,000 |
| Loan Originated |
228 | $34,248,000 |
$150,000 | $1,800,000 |
$79,000 | $352,000 |
| 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 |
6 | $466,000 |
$77,000 | $160,000 |
$37,000 | $57,000 |
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| Collateral |
5 | $1,226,000 |
$245,000 | $920,000 |
$111,000 | $352,000 |
| Credit Application Incomplete |
4 | $1,787,000 |
$446,000 | $650,000 |
$66,000 | $166,000 |
| Credit History |
18 | $1,529,000 |
$84,000 | $254,000 |
$68,000 | $114,000 |
| Debt-To-Income Ratio |
30 | $5,984,000 |
$199,000 | $2,050,000 |
$57,000 | $352,000 |
| 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 |
1 | $62,000 |
$62,000 | $62,000 |
$57,000 | $57,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST WASHINGTON STATE BANK by:
Metropolitan Area And
County
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