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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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INVESTORS SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
INVESTORS SAVINGS BANK |
| Address | 101 JFK PARKWAY
SHORT HILLS, NJ 07078 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,461 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,093,801,000 |
| Average Mortgage Loan Amount Applied For | $418,785 |
| Highest Mortgage Loan Amount Applied For | $13,941,000 |
| Average Applicant Income | $225,142 |
| Highest Applicant Income | $7,012,000 |
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| Home Improvement |
601 | $61,618,000 |
$102,000 | $2,100,000 |
$112,000 | $1,650,000 |
| Home Purchase |
1,512 | $668,067,000 |
$441,000 | $13,941,000 |
$210,000 | $4,312,000 |
| Refinancing |
1,348 | $364,116,000 |
$270,000 | $2,452,000 |
$151,000 | $7,012,000 |
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| American Indian or Alaskan Native |
2 | $140,000 |
$70,000 | $75,000 |
$66,000 | $104,000 |
| Asian |
71 | $6,747,000 |
$95,000 | $350,000 |
$124,000 | $410,000 |
| Black or African American |
44 | $3,393,000 |
$77,000 | $284,000 |
$94,000 | $308,000 |
| Hispanic |
39 | $3,736,000 |
$95,000 | $528,000 |
$82,000 | $410,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $245,000 |
$122,000 | $125,000 |
$82,000 | $130,000 |
| Not applicable |
2,406 | $996,511,000 |
$414,000 | $13,941,000 |
$197,000 | $7,012,000 |
| Not Provided |
272 | $27,169,000 |
$99,000 | $1,000,000 |
$115,000 | $825,000 |
| White |
625 | $55,860,000 |
$89,000 | $1,400,000 |
$104,000 | $930,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,459 | $1,093,306,000 |
$316,000 | $13,941,000 |
$170,000 | $7,012,000 |
| FHA-insured (Federal Housing Administration) |
2 | $495,000 |
$247,000 | $261,000 |
$68,000 | $75,000 |
| 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 |
49 | $5,364,000 |
$109,000 | $350,000 |
$104,000 | $402,000 |
| Application Denied By Financial Institution |
137 | $14,850,000 |
$108,000 | $1,400,000 |
$80,000 | $598,000 |
| Application Withdrawn By Applicant |
36 | $4,792,000 |
$133,000 | $500,000 |
$90,000 | $409,000 |
| File Closed For Incompleteness |
20 | $2,795,000 |
$139,000 | $528,000 |
$94,000 | $181,000 |
| Loan Originated |
823 | $93,707,000 |
$113,000 | $13,941,000 |
$111,000 | $930,000 |
| Loan Purchased By The Institution |
2,396 | $972,293,000 |
$405,000 | $2,500,000 |
$198,000 | $7,012,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for INVESTORS SAVINGS BANK by:
Metropolitan Area And
County
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