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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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KLAMATH FIRST FEDERAL S & L
Mortgage Loans and Application Details
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| Mortgage Company Name |
KLAMATH FIRST FEDERAL S & L |
| Address | 540 Main Street
Klamath Falls, OR 97601 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 1,845 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $198,476,000 |
| Average Mortgage Loan Amount Applied For | $105,517 |
| Highest Mortgage Loan Amount Applied For | $1,400,000 |
| Average Applicant Income | $58,535 |
| Highest Applicant Income | $872,000 |
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| Home Improvement (one-to-four family) |
102 | $3,501,000 |
$27,666 | $190,000 |
$37,333 | $692,000 |
| Home Purchase (one-to-four family) |
354 | $37,418,000 |
$91,500 | $650,000 |
$47,750 | $377,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
15 | $4,097,000 |
$242,000 | $846,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
1,374 | $153,460,000 |
$121,000 | $1,400,000 |
$60,000 | $872,000 |
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| American Indian or Alaskan Native |
24 | $2,247,000 |
$93,000 | $170,000 |
$57,000 | $198,000 |
| Asian or Pacific Islander |
11 | $2,025,000 |
$198,500 | $340,000 |
$105,500 | $158,000 |
| Black |
4 | $200,000 |
$50,000 | $83,000 |
$29,000 | $58,000 |
| Hispanic |
72 | $5,329,000 |
$65,000 | $233,000 |
$37,250 | $160,000 |
| Information not provided by applicant in mail or telephone application |
7 | $989,000 |
$145,000 | $165,000 |
$45,000 | $79,000 |
| Not applicable |
11 | $1,313,000 |
$158,500 | $250,000 |
$20,000 | $103,000 |
| Other |
12 | $1,394,000 |
$116,000 | $228,000 |
$41,000 | $109,000 |
| White |
1,704 | $184,979,000 |
$109,500 | $1,400,000 |
$56,000 | $872,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,815 | $196,218,000 |
$106,500 | $1,400,000 |
$52,750 | $872,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
30 | $2,258,000 |
$75,000 | $195,000 |
$29,000 | $50,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
61 | $5,960,000 |
$57,000 | $650,000 |
$42,500 | $377,000 |
| Application Denied By Financial Institution |
341 | $38,754,000 |
$118,000 | $1,400,000 |
$51,000 | $872,000 |
| Application Withdrawn By Applicant |
18 | $2,061,000 |
$108,333 | $341,000 |
$73,000 | $259,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,425 | $151,701,000 |
$112,500 | $1,032,000 |
$53,500 | $858,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
26 | $2,991,000 |
$112,333 | $450,000 |
$40,666 | $251,000 |
| Credit Application Incomplete |
2 | $437,000 |
$218,000 | $323,000 |
$147,000 | $294,000 |
| Credit History |
178 | $17,038,000 |
$74,333 | $400,000 |
$53,000 | $294,000 |
| Debt-To-Income Ratio |
111 | $13,950,000 |
$135,500 | $660,000 |
$44,000 | $203,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
6 | $754,000 |
$125,000 | $224,000 |
$58,000 | $121,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
11 | $2,621,000 |
$238,000 | $1,400,000 |
$161,000 | $872,000 |
| Unverifiable Information |
7 | $963,000 |
$88,500 | $400,000 |
$46,000 | $199,000 |
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Mortgage Loan App Totals for KLAMATH FIRST FEDERAL S & L by:
Metropolitan Area And
County
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