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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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FRATERNITY FEDERAL S&L ASSOC.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FRATERNITY FEDERAL S&L ASSOC. |
| Address | 764 WASHINGTON BLVD
BALTIMORE, MD 21230 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 70 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $22,322,000 |
| Average Mortgage Loan Amount Applied For | $271,750 |
| Highest Mortgage Loan Amount Applied For | $1,185,000 |
| Average Applicant Income | $121,875 |
| Highest Applicant Income | $1,232,000 |
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| Home Improvement |
6 | $1,677,000 |
$279,000 | $975,000 |
$187,000 | $597,000 |
| Home Purchase |
36 | $13,738,000 |
$381,000 | $1,185,000 |
$171,000 | $1,232,000 |
| Refinancing |
28 | $6,907,000 |
$246,000 | $702,000 |
$149,000 | $927,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $1,094,000 |
$273,000 | $353,000 |
$107,000 | $176,000 |
| Black or African American |
3 | $316,000 |
$105,000 | $192,000 |
$44,000 | $84,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $301,000 |
$301,000 | $301,000 |
$131,000 | $131,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
9 | $3,769,000 |
$418,000 | $1,185,000 |
$327,000 | $1,232,000 |
| White |
53 | $16,842,000 |
$317,000 | $1,000,000 |
$147,000 | $702,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
70 | $22,322,000 |
$318,000 | $1,185,000 |
$164,000 | $1,232,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
4 | $821,000 |
$205,000 | $353,000 |
$53,000 | $76,000 |
| Application Withdrawn By Applicant |
5 | $1,136,000 |
$227,000 | $400,000 |
$83,000 | $174,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
61 | $20,365,000 |
$333,000 | $1,185,000 |
$177,000 | $1,232,000 |
| 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 | $316,000 |
$316,000 | $316,000 |
$76,000 | $76,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $140,000 |
$140,000 | $140,000 |
$52,000 | $52,000 |
| Debt-To-Income Ratio |
2 | $365,000 |
$182,000 | $353,000 |
$42,000 | $74,000 |
| 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 FRATERNITY FEDERAL S&L ASSOC. by:
Metropolitan Area And
County
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