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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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ISB MORTGAGE CO., LLC
Mortgage Loans and Application Details
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| Mortgage Company Name |
ISB MORTGAGE CO., LLC |
| Address | C/O INVESTORS SAVINGS BANK 101 JFK PKWY
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 | 729 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $247,961,000 |
| Average Mortgage Loan Amount Applied For | $325,619 |
| Highest Mortgage Loan Amount Applied For | $2,400,000 |
| Average Applicant Income | $178,523 |
| Highest Applicant Income | $1,717,000 |
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| Home Improvement |
14 | $5,418,000 |
$387,000 | $1,500,000 |
$162,000 | $551,000 |
| Home Purchase |
472 | $171,354,000 |
$363,000 | $2,400,000 |
$145,000 | $1,541,000 |
| Refinancing |
253 | $75,389,000 |
$297,000 | $2,310,000 |
$126,000 | $1,717,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
57 | $18,909,000 |
$331,000 | $600,000 |
$110,000 | $364,000 |
| Black or African American |
46 | $11,814,000 |
$256,000 | $1,380,000 |
$82,000 | $414,000 |
| Hispanic |
21 | $5,330,000 |
$253,000 | $740,000 |
$84,000 | $306,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $2,937,000 |
$293,000 | $635,000 |
$109,000 | $195,000 |
| Not Provided |
135 | $54,529,000 |
$403,000 | $2,400,000 |
$171,000 | $1,717,000 |
| White |
470 | $158,642,000 |
$337,000 | $2,063,000 |
$142,000 | $1,230,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
736 | $251,242,000 |
$341,000 | $2,400,000 |
$139,000 | $1,717,000 |
| FHA-insured (Federal Housing Administration) |
3 | $919,000 |
$306,000 | $326,000 |
$106,000 | $151,000 |
| 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 |
54 | $18,804,000 |
$348,000 | $731,000 |
$156,000 | $1,717,000 |
| Application Denied By Financial Institution |
20 | $6,118,000 |
$305,000 | $1,750,000 |
$107,000 | $480,000 |
| Application Withdrawn By Applicant |
59 | $18,409,000 |
$312,000 | $2,063,000 |
$166,000 | $1,162,000 |
| File Closed For Incompleteness |
23 | $8,570,000 |
$372,000 | $800,000 |
$94,000 | $250,000 |
| Loan Originated |
568 | $195,533,000 |
$344,000 | $2,400,000 |
$138,000 | $1,541,000 |
| Loan Purchased By The Institution |
10 | $2,937,000 |
$293,000 | $635,000 |
$109,000 | $195,000 |
| Preapproval Approved but not Accepted |
4 | $1,515,000 |
$378,000 | $750,000 |
$119,000 | $219,000 |
| Preapproval Denied by Financial Institution |
1 | $275,000 |
$275,000 | $275,000 |
$64,000 | $64,000 |
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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 ISB MORTGAGE CO., LLC by:
Metropolitan Area And
County
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