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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 WINDSOR STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NEW WINDSOR STATE BANK |
| Address | 181 E. MAIN STREET
WESTMINSTER, MD 21157 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 205 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $31,138,000 |
| Average Mortgage Loan Amount Applied For | $230,416 |
| Highest Mortgage Loan Amount Applied For | $615,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $1,719,000 |
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| Home Improvement |
65 | $5,151,000 |
$79,000 | $360,000 |
$64,000 | $185,000 |
| Home Purchase |
57 | $12,535,000 |
$219,000 | $615,000 |
$103,000 | $1,719,000 |
| Refinancing |
83 | $13,452,000 |
$162,000 | $550,000 |
$75,000 | $277,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $34,000 |
$17,000 | $19,000 |
$25,000 | $26,000 |
| Black or African American |
1 | $5,000 |
$5,000 | $5,000 |
$51,000 | $51,000 |
| Hispanic |
5 | $505,000 |
$101,000 | $268,000 |
$78,000 | $132,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $2,443,000 |
$271,000 | $550,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
188 | $28,151,000 |
$149,000 | $615,000 |
$84,000 | $1,719,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
205 | $31,138,000 |
$151,000 | $615,000 |
$79,000 | $1,719,000 |
| 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 |
5 | $1,368,000 |
$273,000 | $520,000 |
$106,000 | $210,000 |
| Application Denied By Financial Institution |
22 | $1,798,000 |
$81,000 | $300,000 |
$60,000 | $246,000 |
| Application Withdrawn By Applicant |
7 | $937,000 |
$133,000 | $600,000 |
$97,000 | $185,000 |
| File Closed For Incompleteness |
1 | $50,000 |
$50,000 | $50,000 |
$67,000 | $67,000 |
| Loan Originated |
170 | $26,985,000 |
$158,000 | $615,000 |
$81,000 | $1,719,000 |
| 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 |
5 | $703,000 |
$140,000 | $300,000 |
$92,000 | $246,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $474,000 |
$47,000 | $225,000 |
$50,000 | $91,000 |
| Debt-To-Income Ratio |
5 | $536,000 |
$107,000 | $187,000 |
$50,000 | $150,000 |
| Employment History |
1 | $10,000 |
$10,000 | $10,000 |
$21,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $75,000 |
$75,000 | $75,000 |
$96,000 | $96,000 |
| 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 NEW WINDSOR STATE BANK by:
Metropolitan Area And
County
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