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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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NEW CARLISLE FEDERAL SAVINGS B
Mortgage Loans and Application Details
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| Mortgage Company Name |
NEW CARLISLE FEDERAL SAVINGS B |
| Address | 400 N. MAIN ST
NEW CARLISLE, OH 45344 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 246 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,330,000 |
| Average Mortgage Loan Amount Applied For | $154,846 |
| Highest Mortgage Loan Amount Applied For | $683,000 |
| Average Applicant Income | $115,769 |
| Highest Applicant Income | $398,000 |
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| Home Improvement |
28 | $4,076,000 |
$145,000 | $683,000 |
$83,000 | $398,000 |
| Home Purchase |
173 | $16,634,000 |
$96,000 | $356,000 |
$54,000 | $346,000 |
| Refinancing |
94 | $11,647,000 |
$123,000 | $623,000 |
$78,000 | $380,000 |
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| American Indian or Alaskan Native |
1 | $58,000 |
$58,000 | $58,000 |
$18,000 | $18,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
10 | $1,133,000 |
$113,000 | $295,000 |
$58,000 | $106,000 |
| Hispanic |
1 | $90,000 |
$90,000 | $90,000 |
$45,000 | $45,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $351,000 |
$175,000 | $269,000 |
$30,000 | $61,000 |
| Not applicable |
16 | $2,352,000 |
$147,000 | $250,000 |
$36,000 | $209,000 |
| Not Provided |
4 | $256,000 |
$64,000 | $135,000 |
$55,000 | $68,000 |
| White |
261 | $28,117,000 |
$107,000 | $683,000 |
$67,000 | $398,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
281 | $31,191,000 |
$111,000 | $683,000 |
$66,000 | $398,000 |
| FHA-insured (Federal Housing Administration) |
7 | $598,000 |
$85,000 | $111,000 |
$43,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $568,000 |
$81,000 | $130,000 |
$30,000 | $47,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
35 | $4,645,000 |
$132,000 | $620,000 |
$73,000 | $204,000 |
| Application Denied By Financial Institution |
30 | $2,326,000 |
$77,000 | $354,000 |
$46,000 | $203,000 |
| Application Withdrawn By Applicant |
19 | $2,090,000 |
$110,000 | $376,000 |
$56,000 | $346,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
163 | $19,369,000 |
$118,000 | $683,000 |
$72,000 | $398,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
23 | $2,543,000 |
$110,000 | $250,000 |
$60,000 | $111,000 |
| Preapproval Denied by Financial Institution |
25 | $1,384,000 |
$55,000 | $111,000 |
$31,000 | $64,000 |
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| Collateral |
1 | $50,000 |
$50,000 | $50,000 |
$68,000 | $68,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
32 | $1,760,000 |
$55,000 | $123,000 |
$37,000 | $84,000 |
| Debt-To-Income Ratio |
18 | $1,667,000 |
$92,000 | $354,000 |
$36,000 | $82,000 |
| Employment History |
1 | $65,000 |
$65,000 | $65,000 |
$27,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $112,000 |
$112,000 | $112,000 |
$203,000 | $203,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $21,000 |
$21,000 | $21,000 |
$0 | $0 |
| Unverifiable Information |
1 | $35,000 |
$35,000 | $35,000 |
$14,000 | $14,000 |
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Mortgage Loan App Totals for NEW CARLISLE FEDERAL SAVINGS B by:
Metropolitan Area And
County
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