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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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PROVIDENT BANK OF MARYLAND
Mortgage Loans and Application Details
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| Mortgage Company Name |
PROVIDENT BANK OF MARYLAND |
| Address | 114 E. LEXINGTON STREET
BALTIMORE, MD 21202 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,361 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $190,337,000 |
| Average Mortgage Loan Amount Applied For | $93,566 |
| Highest Mortgage Loan Amount Applied For | $2,500,000 |
| Average Applicant Income | $107,333 |
| Highest Applicant Income | $8,300,000 |
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| Home Improvement |
1,610 | $92,832,000 |
$57,000 | $2,500,000 |
$97,000 | $8,300,000 |
| Home Purchase |
39 | $7,021,000 |
$180,000 | $2,000,000 |
$134,000 | $1,334,000 |
| Refinancing |
712 | $90,484,000 |
$127,000 | $1,500,000 |
$95,000 | $1,800,000 |
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| American Indian or Alaskan Native |
27 | $4,876,000 |
$180,000 | $1,500,000 |
$139,000 | $876,000 |
| Asian |
86 | $10,447,000 |
$121,000 | $760,000 |
$147,000 | $1,800,000 |
| Black or African American |
377 | $26,257,000 |
$69,000 | $524,000 |
$75,000 | $960,000 |
| Hispanic |
92 | $10,971,000 |
$119,000 | $605,000 |
$96,000 | $1,327,000 |
| Native Hawaiin or Other Pacific Islander |
10 | $947,000 |
$94,000 | $430,000 |
$67,000 | $90,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1,064 | $80,073,000 |
$75,000 | $2,500,000 |
$106,000 | $8,300,000 |
| White |
705 | $56,766,000 |
$80,000 | $2,000,000 |
$88,000 | $1,334,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,325 | $185,424,000 |
$79,000 | $2,500,000 |
$98,000 | $8,300,000 |
| 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) |
36 | $4,913,000 |
$136,000 | $389,000 |
$51,000 | $239,000 |
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| Application Approved But Not Accepted |
186 | $13,534,000 |
$72,000 | $522,000 |
$102,000 | $1,327,000 |
| Application Denied By Financial Institution |
724 | $68,106,000 |
$94,000 | $2,500,000 |
$90,000 | $8,300,000 |
| Application Withdrawn By Applicant |
11 | $2,136,000 |
$194,000 | $1,500,000 |
$112,000 | $347,000 |
| File Closed For Incompleteness |
330 | $32,952,000 |
$99,000 | $650,000 |
$92,000 | $876,000 |
| Loan Originated |
1,070 | $68,153,000 |
$63,000 | $2,000,000 |
$104,000 | $1,800,000 |
| Loan Purchased By The Institution |
40 | $5,456,000 |
$136,000 | $389,000 |
$51,000 | $239,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PROVIDENT BANK OF MARYLAND by:
Metropolitan Area And
County
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