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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 SECURITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
JEFFERSON SECURITY BANK |
| Address | PO BOX 35
SHEPHERDSTOWN, WV 25443 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 143 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $22,936,000 |
| Average Mortgage Loan Amount Applied For | $208,900 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $104,900 |
| Highest Applicant Income | $397,000 |
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| Home Improvement |
24 | $2,353,000 |
$98,000 | $500,000 |
$85,000 | $220,000 |
| Home Purchase |
58 | $12,277,000 |
$211,000 | $800,000 |
$82,000 | $397,000 |
| Refinancing |
61 | $8,306,000 |
$136,000 | $490,000 |
$66,000 | $230,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $372,000 |
$186,000 | $195,000 |
$160,000 | $230,000 |
| Black or African American |
6 | $1,315,000 |
$219,000 | $600,000 |
$76,000 | $218,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $166,000 |
$166,000 | $166,000 |
$0 | $0 |
| Not Provided |
8 | $1,178,000 |
$147,000 | $500,000 |
$52,000 | $136,000 |
| White |
126 | $19,905,000 |
$157,000 | $800,000 |
$76,000 | $397,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
143 | $22,936,000 |
$160,000 | $800,000 |
$75,000 | $397,000 |
| 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 | $60,000 |
$60,000 | $60,000 |
$39,000 | $39,000 |
| Application Denied By Financial Institution |
10 | $731,000 |
$73,000 | $130,000 |
$25,000 | $58,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
132 | $22,145,000 |
$167,000 | $800,000 |
$80,000 | $397,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $513,000 |
$73,000 | $130,000 |
$22,000 | $35,000 |
| Debt-To-Income Ratio |
3 | $218,000 |
$72,000 | $108,000 |
$33,000 | $58,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for JEFFERSON SECURITY BANK by:
Metropolitan Area And
County
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