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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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HARLEYSVILLE SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HARLEYSVILLE SAVINGS BANK |
| Address | 271 MAIN STREET
HARLEYSVILLE, PA 19438 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 753 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $73,716,000 |
| Average Mortgage Loan Amount Applied For | $134,444 |
| Highest Mortgage Loan Amount Applied For | $900,000 |
| Average Applicant Income | $122,222 |
| Highest Applicant Income | $1,812,000 |
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| Home Improvement |
213 | $9,250,000 |
$43,000 | $630,000 |
$121,000 | $1,296,000 |
| Home Purchase |
184 | $35,982,000 |
$195,000 | $900,000 |
$125,000 | $1,812,000 |
| Refinancing |
375 | $32,358,000 |
$86,000 | $750,000 |
$127,000 | $1,620,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
23 | $2,850,000 |
$123,000 | $294,000 |
$231,000 | $1,620,000 |
| Black or African American |
5 | $482,000 |
$96,000 | $146,000 |
$146,000 | $326,000 |
| Hispanic |
4 | $550,000 |
$137,000 | $222,000 |
$52,000 | $80,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $145,000 |
$145,000 | $145,000 |
$73,000 | $73,000 |
| Not applicable |
2 | $708,000 |
$354,000 | $540,000 |
$0 | $0 |
| Not Provided |
23 | $3,383,000 |
$147,000 | $500,000 |
$121,000 | $948,000 |
| White |
714 | $69,472,000 |
$97,000 | $900,000 |
$122,000 | $1,812,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
772 | $77,590,000 |
$100,000 | $900,000 |
$125,000 | $1,812,000 |
| 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 |
29 | $3,908,000 |
$134,000 | $632,000 |
$153,000 | $1,512,000 |
| Application Denied By Financial Institution |
36 | $3,058,000 |
$84,000 | $447,000 |
$153,000 | $1,620,000 |
| Application Withdrawn By Applicant |
19 | $1,742,000 |
$91,000 | $264,000 |
$118,000 | $900,000 |
| File Closed For Incompleteness |
5 | $338,000 |
$67,000 | $192,000 |
$117,000 | $232,000 |
| Loan Originated |
664 | $64,670,000 |
$97,000 | $900,000 |
$124,000 | $1,812,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
12 | $2,771,000 |
$230,000 | $528,000 |
$102,000 | $250,000 |
| Preapproval Denied by Financial Institution |
7 | $1,103,000 |
$157,000 | $238,000 |
$51,000 | $101,000 |
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| Collateral |
1 | $40,000 |
$40,000 | $40,000 |
$44,000 | $44,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $404,000 |
$67,000 | $150,000 |
$187,000 | $816,000 |
| Debt-To-Income Ratio |
34 | $3,454,000 |
$101,000 | $447,000 |
$133,000 | $1,620,000 |
| 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 | $263,000 |
$131,000 | $238,000 |
$107,000 | $113,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HARLEYSVILLE SAVINGS BANK by:
Metropolitan Area And
County
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