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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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JEFFERSON FEDERAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
JEFFERSON FEDERAL BANK |
| Address | 120 EVANS AVENE
MORRISTOWN, TN 37814 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 206 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $26,215,000 |
| Average Mortgage Loan Amount Applied For | $196,129 |
| Highest Mortgage Loan Amount Applied For | $1,470,000 |
| Average Applicant Income | $92,967 |
| Highest Applicant Income | $500,000 |
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| Home Improvement |
24 | $1,406,000 |
$58,000 | $225,000 |
$70,000 | $449,000 |
| Home Purchase |
102 | $16,990,000 |
$166,000 | $1,470,000 |
$92,000 | $500,000 |
| Refinancing |
81 | $7,919,000 |
$97,000 | $699,000 |
$59,000 | $480,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $80,000 |
$80,000 | $80,000 |
$214,000 | $214,000 |
| Black or African American |
5 | $230,000 |
$46,000 | $98,000 |
$39,000 | $74,000 |
| Hispanic |
5 | $495,000 |
$99,000 | $280,000 |
$48,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $1,843,000 |
$368,000 | $699,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
191 | $23,667,000 |
$123,000 | $1,470,000 |
$79,000 | $500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
207 | $26,315,000 |
$127,000 | $1,470,000 |
$76,000 | $500,000 |
| 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 |
25 | $4,760,000 |
$190,000 | $1,470,000 |
$88,000 | $360,000 |
| Application Denied By Financial Institution |
47 | $4,609,000 |
$98,000 | $384,000 |
$48,000 | $480,000 |
| Application Withdrawn By Applicant |
6 | $456,000 |
$76,000 | $156,000 |
$66,000 | $138,000 |
| File Closed For Incompleteness |
1 | $32,000 |
$32,000 | $32,000 |
$0 | $0 |
| Loan Originated |
128 | $16,458,000 |
$128,000 | $1,000,000 |
$85,000 | $500,000 |
| 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 |
4 | $351,000 |
$87,000 | $140,000 |
$43,000 | $70,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
32 | $2,968,000 |
$92,000 | $309,000 |
$34,000 | $107,000 |
| Debt-To-Income Ratio |
9 | $1,215,000 |
$135,000 | $384,000 |
$100,000 | $480,000 |
| 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 |
1 | $65,000 |
$65,000 | $65,000 |
$81,000 | $81,000 |
| Unverifiable Information |
1 | $10,000 |
$10,000 | $10,000 |
$24,000 | $24,000 |
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Mortgage Loan App Totals for JEFFERSON FEDERAL BANK by:
Metropolitan Area And
County
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