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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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MADISON BOHEMIAN SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
MADISON BOHEMIAN SAVINGS BANK |
| Address | 1920 ROCK SPRING ROAD
FOREST HILL, MD 21050 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 86 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,725,000 |
| Average Mortgage Loan Amount Applied For | $160,000 |
| Highest Mortgage Loan Amount Applied For | $1,316,000 |
| Average Applicant Income | $85,800 |
| Highest Applicant Income | $530,000 |
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| Home Improvement |
38 | $2,148,000 |
$56,000 | $280,000 |
$71,000 | $184,000 |
| Home Purchase |
24 | $6,561,000 |
$273,000 | $1,316,000 |
$64,000 | $530,000 |
| Refinancing |
30 | $3,756,000 |
$125,000 | $311,000 |
$50,000 | $180,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
19 | $3,389,000 |
$178,000 | $576,000 |
$0 | $0 |
| Not Provided |
1 | $35,000 |
$35,000 | $35,000 |
$0 | $0 |
| White |
72 | $9,041,000 |
$125,000 | $1,316,000 |
$80,000 | $530,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
92 | $12,465,000 |
$135,000 | $1,316,000 |
$63,000 | $530,000 |
| 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 | $200,000 |
$200,000 | $200,000 |
$42,000 | $42,000 |
| Application Denied By Financial Institution |
11 | $1,088,000 |
$98,000 | $280,000 |
$30,000 | $87,000 |
| Application Withdrawn By Applicant |
2 | $86,000 |
$43,000 | $58,000 |
$63,000 | $127,000 |
| File Closed For Incompleteness |
2 | $1,516,000 |
$758,000 | $1,316,000 |
$260,000 | $521,000 |
| Loan Originated |
76 | $9,575,000 |
$125,000 | $850,000 |
$62,000 | $530,000 |
| 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 |
3 | $443,000 |
$147,000 | $280,000 |
$57,000 | $87,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $294,000 |
$73,000 | $215,000 |
$7,000 | $16,000 |
| Debt-To-Income Ratio |
3 | $201,000 |
$67,000 | $132,000 |
$43,000 | $63,000 |
| 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 |
1 | $150,000 |
$150,000 | $150,000 |
$0 | $0 |
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Mortgage Loan App Totals for MADISON BOHEMIAN SAVINGS BANK by:
Metropolitan Area And
County
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