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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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PRESIDENTIAL BANK, F.S.B.
Mortgage Loans and Application Details
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| Mortgage Company Name |
PRESIDENTIAL BANK, F.S.B. |
| Address | 4600 EAST-WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 976 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $319,702,000 |
| Average Mortgage Loan Amount Applied For | $366,943 |
| Highest Mortgage Loan Amount Applied For | $4,200,000 |
| Average Applicant Income | $105,377 |
| Highest Applicant Income | $7,870,000 |
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| Home Improvement |
47 | $14,903,000 |
$317,000 | $1,200,000 |
$118,000 | $393,000 |
| Home Purchase |
673 | $223,406,000 |
$331,000 | $2,800,000 |
$132,000 | $7,870,000 |
| Refinancing |
257 | $81,761,000 |
$318,000 | $4,200,000 |
$107,000 | $600,000 |
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| American Indian or Alaskan Native |
1 | $260,000 |
$260,000 | $260,000 |
$74,000 | $74,000 |
| Asian |
32 | $9,581,000 |
$299,000 | $760,000 |
$109,000 | $211,000 |
| Black or African American |
127 | $36,761,000 |
$289,000 | $755,000 |
$109,000 | $387,000 |
| Hispanic |
13 | $3,937,000 |
$302,000 | $1,215,000 |
$105,000 | $380,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $1,176,000 |
$392,000 | $525,000 |
$92,000 | $120,000 |
| Not applicable |
22 | $18,635,000 |
$847,000 | $4,200,000 |
$357,000 | $7,870,000 |
| Not Provided |
69 | $31,910,000 |
$462,000 | $2,100,000 |
$135,000 | $765,000 |
| White |
710 | $217,810,000 |
$306,000 | $1,285,000 |
$121,000 | $657,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
948 | $313,318,000 |
$330,000 | $4,200,000 |
$126,000 | $7,870,000 |
| FHA-insured (Federal Housing Administration) |
24 | $5,266,000 |
$219,000 | $368,000 |
$71,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
5 | $1,486,000 |
$297,000 | $417,000 |
$95,000 | $182,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
2 | $212,000 |
$106,000 | $171,000 |
$55,000 | $64,000 |
| Application Withdrawn By Applicant |
52 | $10,687,000 |
$205,000 | $734,000 |
$103,000 | $383,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
923 | $309,171,000 |
$334,000 | $4,200,000 |
$126,000 | $7,870,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
2 | $212,000 |
$106,000 | $171,000 |
$55,000 | $64,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PRESIDENTIAL BANK, F.S.B. by:
Metropolitan Area And
County
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