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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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HANCOCK COUNTY SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HANCOCK COUNTY SAVINGS BANK |
| Address | 351 CAROLINA AVE
CHESTER, WV 26034 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 493 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $38,803,000 |
| Average Mortgage Loan Amount Applied For | $134,375 |
| Highest Mortgage Loan Amount Applied For | $692,000 |
| Average Applicant Income | $69,500 |
| Highest Applicant Income | $448,000 |
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| Home Improvement |
154 | $6,888,000 |
$44,000 | $249,000 |
$55,000 | $153,000 |
| Home Purchase |
182 | $19,829,000 |
$108,000 | $692,000 |
$66,000 | $448,000 |
| Refinancing |
157 | $12,086,000 |
$76,000 | $583,000 |
$56,000 | $348,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $79,000 |
$79,000 | $79,000 |
$33,000 | $33,000 |
| Black or African American |
2 | $232,000 |
$116,000 | $142,000 |
$68,000 | $99,000 |
| Hispanic |
3 | $260,000 |
$86,000 | $200,000 |
$69,000 | $125,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
487 | $38,232,000 |
$78,000 | $692,000 |
$59,000 | $448,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
493 | $38,803,000 |
$78,000 | $692,000 |
$59,000 | $448,000 |
| 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 |
6 | $223,000 |
$37,000 | $62,000 |
$47,000 | $153,000 |
| Application Denied By Financial Institution |
43 | $4,517,000 |
$105,000 | $475,000 |
$60,000 | $223,000 |
| Application Withdrawn By Applicant |
23 | $2,057,000 |
$89,000 | $583,000 |
$62,000 | $210,000 |
| File Closed For Incompleteness |
9 | $617,000 |
$68,000 | $150,000 |
$47,000 | $110,000 |
| Loan Originated |
412 | $31,389,000 |
$76,000 | $692,000 |
$60,000 | $448,000 |
| 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 |
15 | $2,155,000 |
$143,000 | $475,000 |
$81,000 | $223,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $1,562,000 |
$91,000 | $320,000 |
$57,000 | $121,000 |
| Debt-To-Income Ratio |
7 | $516,000 |
$73,000 | $142,000 |
$35,000 | $99,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
2 | $217,000 |
$108,000 | $158,000 |
$41,000 | $50,000 |
| Other |
2 | $67,000 |
$33,000 | $40,000 |
$32,000 | $48,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HANCOCK COUNTY SAVINGS BANK by:
Metropolitan Area And
County
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