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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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INTER SAVINGS BANK, FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
INTER SAVINGS BANK, FSB |
| Address | 13601 80TH CIRCLE N
MAPLE GROVE, MN 55369 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,865 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $324,922,000 |
| Average Mortgage Loan Amount Applied For | $156,281 |
| Highest Mortgage Loan Amount Applied For | $4,240,000 |
| Average Applicant Income | $122,953 |
| Highest Applicant Income | $1,393,000 |
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| Home Improvement |
98 | $8,256,000 |
$84,000 | $1,500,000 |
$119,000 | $690,000 |
| Home Purchase |
1,943 | $231,411,000 |
$119,000 | $4,240,000 |
$90,000 | $1,200,000 |
| Refinancing |
923 | $102,162,000 |
$110,000 | $3,770,000 |
$96,000 | $1,393,000 |
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| American Indian or Alaskan Native |
14 | $1,774,000 |
$126,000 | $217,000 |
$59,000 | $151,000 |
| Asian |
49 | $4,390,000 |
$89,000 | $296,000 |
$87,000 | $236,000 |
| Black or African American |
58 | $7,045,000 |
$121,000 | $608,000 |
$107,000 | $750,000 |
| Hispanic |
440 | $81,247,000 |
$184,000 | $592,000 |
$56,000 | $515,000 |
| Native Hawaiin or Other Pacific Islander |
12 | $2,107,000 |
$175,000 | $900,000 |
$85,000 | $150,000 |
| Not applicable |
19 | $20,100,000 |
$1,057,000 | $4,240,000 |
$6,000 | $120,000 |
| Not Provided |
555 | $58,260,000 |
$104,000 | $3,770,000 |
$102,000 | $1,393,000 |
| White |
1,817 | $166,906,000 |
$91,000 | $2,531,000 |
$100,000 | $1,334,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,964 | $341,829,000 |
$115,000 | $4,240,000 |
$93,000 | $1,393,000 |
| 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 |
199 | $27,646,000 |
$138,000 | $2,520,000 |
$100,000 | $933,000 |
| Application Denied By Financial Institution |
110 | $20,856,000 |
$189,000 | $3,770,000 |
$66,000 | $417,000 |
| Application Withdrawn By Applicant |
17 | $6,808,000 |
$400,000 | $2,080,000 |
$59,000 | $175,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,847 | $125,464,000 |
$67,000 | $4,240,000 |
$97,000 | $1,393,000 |
| Loan Purchased By The Institution |
692 | $144,148,000 |
$208,000 | $2,531,000 |
$87,000 | $1,334,000 |
| Preapproval Approved but not Accepted |
92 | $16,329,000 |
$177,000 | $375,000 |
$60,000 | $406,000 |
| Preapproval Denied by Financial Institution |
7 | $578,000 |
$82,000 | $200,000 |
$85,000 | $129,000 |
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| Collateral |
21 | $9,258,000 |
$440,000 | $3,770,000 |
$52,000 | $123,000 |
| Credit Application Incomplete |
4 | $1,990,000 |
$497,000 | $910,000 |
$0 | $0 |
| Credit History |
41 | $4,407,000 |
$107,000 | $1,500,000 |
$72,000 | $215,000 |
| Debt-To-Income Ratio |
39 | $4,603,000 |
$118,000 | $1,088,000 |
$65,000 | $141,000 |
| Employment History |
1 | $83,000 |
$83,000 | $83,000 |
$106,000 | $106,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $215,000 |
$53,000 | $100,000 |
$59,000 | $91,000 |
| Mortgage Insurance Denied |
1 | $39,000 |
$39,000 | $39,000 |
$63,000 | $63,000 |
| Other |
3 | $194,000 |
$64,000 | $75,000 |
$94,000 | $110,000 |
| Unverifiable Information |
3 | $645,000 |
$215,000 | $354,000 |
$194,000 | $417,000 |
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Mortgage Loan App Totals for INTER SAVINGS BANK, FSB by:
Metropolitan Area And
County
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