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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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KAISER FEDERAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KAISER FEDERAL BANK |
| Address | 1359 N GRAND AVE
COVINA, CA 91724 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 236 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $99,879,000 |
| Average Mortgage Loan Amount Applied For | $496,764 |
| Highest Mortgage Loan Amount Applied For | $2,650,000 |
| Average Applicant Income | $133,058 |
| Highest Applicant Income | $945,000 |
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| Home Improvement |
55 | $8,965,000 |
$163,000 | $656,000 |
$102,000 | $263,000 |
| Home Purchase |
55 | $33,540,000 |
$609,000 | $2,650,000 |
$157,000 | $565,000 |
| Refinancing |
126 | $57,374,000 |
$455,000 | $1,150,000 |
$108,000 | $945,000 |
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| American Indian or Alaskan Native |
1 | $40,000 |
$40,000 | $40,000 |
$65,000 | $65,000 |
| Asian |
27 | $9,457,000 |
$350,000 | $722,000 |
$144,000 | $444,000 |
| Black or African American |
12 | $4,262,000 |
$355,000 | $670,000 |
$135,000 | $295,000 |
| Hispanic |
39 | $11,617,000 |
$297,000 | $540,000 |
$86,000 | $298,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $1,548,000 |
$387,000 | $472,000 |
$156,000 | $400,000 |
| Not applicable |
4 | $4,765,000 |
$1,191,000 | $2,650,000 |
$0 | $0 |
| Not Provided |
37 | $12,968,000 |
$350,000 | $1,075,000 |
$116,000 | $565,000 |
| White |
112 | $55,222,000 |
$493,000 | $1,100,000 |
$125,000 | $945,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
236 | $99,879,000 |
$423,000 | $2,650,000 |
$118,000 | $945,000 |
| 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 | $20,000 |
$20,000 | $20,000 |
$140,000 | $140,000 |
| Application Denied By Financial Institution |
9 | $560,000 |
$62,000 | $100,000 |
$97,000 | $164,000 |
| Application Withdrawn By Applicant |
6 | $355,000 |
$59,000 | $100,000 |
$91,000 | $165,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
105 | $32,422,000 |
$308,000 | $2,650,000 |
$89,000 | $400,000 |
| Loan Purchased By The Institution |
115 | $66,522,000 |
$578,000 | $1,000,000 |
$147,000 | $945,000 |
| 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 |
3 | $140,000 |
$46,000 | $60,000 |
$69,000 | $96,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $130,000 |
$65,000 | $90,000 |
$139,000 | $156,000 |
| Debt-To-Income Ratio |
4 | $290,000 |
$72,000 | $100,000 |
$97,000 | $164,000 |
| 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 KAISER FEDERAL BANK by:
Metropolitan Area And
County
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