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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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QUEENSTOWN BANK OF MARYLAND
Mortgage Loans and Application Details
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| Mortgage Company Name |
QUEENSTOWN BANK OF MARYLAND |
| Address | 7101 MAIN STREET, P.O. BOX 120
QUEENSTOWN, MD 21658 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 255 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $33,504,000 |
| Average Mortgage Loan Amount Applied For | $143,800 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $63,733 |
| Highest Applicant Income | $373,000 |
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| Home Improvement |
112 | $2,703,000 |
$24,000 | $280,000 |
$58,000 | $276,000 |
| Home Purchase |
99 | $23,435,000 |
$236,000 | $1,200,000 |
$84,000 | $373,000 |
| Refinancing |
44 | $7,366,000 |
$167,000 | $360,000 |
$78,000 | $364,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $480,000 |
$240,000 | $280,000 |
$80,000 | $125,000 |
| Black or African American |
33 | $1,398,000 |
$42,000 | $380,000 |
$45,000 | $171,000 |
| Hispanic |
1 | $152,000 |
$152,000 | $152,000 |
$88,000 | $88,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
12 | $1,717,000 |
$143,000 | $260,000 |
$3,000 | $45,000 |
| Not Provided |
6 | $790,000 |
$131,000 | $358,000 |
$55,000 | $87,000 |
| White |
201 | $28,967,000 |
$144,000 | $1,200,000 |
$80,000 | $373,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
255 | $33,504,000 |
$131,000 | $1,200,000 |
$72,000 | $373,000 |
| 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 |
16 | $2,768,000 |
$173,000 | $950,000 |
$46,000 | $103,000 |
| Application Denied By Financial Institution |
16 | $1,629,000 |
$101,000 | $360,000 |
$40,000 | $120,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
223 | $29,107,000 |
$130,000 | $1,200,000 |
$76,000 | $373,000 |
| 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 |
1 | $360,000 |
$360,000 | $360,000 |
$120,000 | $120,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $798,000 |
$99,000 | $225,000 |
$42,000 | $70,000 |
| Debt-To-Income Ratio |
6 | $426,000 |
$71,000 | $208,000 |
$28,000 | $41,000 |
| 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 |
1 | $45,000 |
$45,000 | $45,000 |
$18,000 | $18,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for QUEENSTOWN BANK OF MARYLAND by:
Metropolitan Area And
County
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