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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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HOPKINS FEDERAL SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOPKINS FEDERAL SAVINGS BANK |
| Address | 134 S. EATON STREET
BALTIMORE, MD 21224 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 88 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,366,000 |
| Average Mortgage Loan Amount Applied For | $283,000 |
| Highest Mortgage Loan Amount Applied For | $1,425,000 |
| Average Applicant Income | $287,461 |
| Highest Applicant Income | $2,074,000 |
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| Home Improvement |
10 | $1,411,000 |
$141,000 | $250,000 |
$163,000 | $406,000 |
| Home Purchase |
24 | $8,695,000 |
$362,000 | $1,425,000 |
$312,000 | $2,074,000 |
| Refinancing |
54 | $10,260,000 |
$190,000 | $900,000 |
$105,000 | $588,000 |
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| American Indian or Alaskan Native |
1 | $325,000 |
$325,000 | $325,000 |
$96,000 | $96,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
16 | $2,322,000 |
$145,000 | $310,000 |
$79,000 | $146,000 |
| Hispanic |
3 | $565,000 |
$188,000 | $205,000 |
$50,000 | $72,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $2,165,000 |
$309,000 | $900,000 |
$150,000 | $406,000 |
| Not Provided |
2 | $115,000 |
$57,000 | $60,000 |
$46,000 | $54,000 |
| White |
59 | $14,874,000 |
$252,000 | $1,425,000 |
$205,000 | $2,074,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
88 | $20,366,000 |
$231,000 | $1,425,000 |
$168,000 | $2,074,000 |
| 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 |
1 | $125,000 |
$125,000 | $125,000 |
$172,000 | $172,000 |
| Application Denied By Financial Institution |
22 | $4,358,000 |
$198,000 | $450,000 |
$100,000 | $293,000 |
| Application Withdrawn By Applicant |
17 | $3,993,000 |
$234,000 | $900,000 |
$173,000 | $588,000 |
| File Closed For Incompleteness |
1 | $210,000 |
$210,000 | $210,000 |
$107,000 | $107,000 |
| Loan Originated |
47 | $11,680,000 |
$248,000 | $1,425,000 |
$199,000 | $2,074,000 |
| 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 |
2 | $380,000 |
$190,000 | $300,000 |
$109,000 | $122,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $3,108,000 |
$182,000 | $450,000 |
$87,000 | $250,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 | $420,000 |
$210,000 | $300,000 |
$112,000 | $158,000 |
| Unverifiable Information |
1 | $450,000 |
$450,000 | $450,000 |
$293,000 | $293,000 |
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Mortgage Loan App Totals for HOPKINS FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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