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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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REGENCY SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
REGENCY SAVINGS BANK |
| Address | 6100 N NORTHWEST HIGHWAY
CHICAGO, IL 60631 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 1,339 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $372,712,000 |
| Average Mortgage Loan Amount Applied For | $762,359 |
| Highest Mortgage Loan Amount Applied For | $10,121,000 |
| Average Applicant Income | $43,187 |
| Highest Applicant Income | $1,902,000 |
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| Home Improvement |
290 | $35,376,000 |
$523,400 | $2,880,000 |
$62,600 | $396,000 |
| Home Purchase |
763 | $230,412,000 |
$765,266 | $10,121,000 |
$36,000 | $1,902,000 |
| Refinancing |
493 | $139,780,000 |
$651,166 | $2,578,000 |
$23,277 | $672,000 |
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| American Indian or Alaskan Native |
8 | $885,000 |
$110,500 | $212,000 |
$55,000 | $109,000 |
| Asian |
28 | $5,395,000 |
$160,000 | $650,000 |
$52,000 | $255,000 |
| Black or African American |
315 | $42,724,000 |
$133,666 | $900,000 |
$47,000 | $484,000 |
| Hispanic |
214 | $28,927,000 |
$133,000 | $640,000 |
$65,000 | $1,902,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $4,580,000 |
$2,145,000 | $4,000,000 |
$324,000 | $579,000 |
| Not applicable |
211 | $173,246,000 |
$833,793 | $10,121,000 |
$0 | $0 |
| Not Provided |
14 | $3,306,000 |
$207,250 | $1,000,000 |
$149,500 | $581,000 |
| White |
753 | $146,505,000 |
$308,454 | $2,250,000 |
$184,000 | $740,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,451 | $388,075,000 |
$724,187 | $10,121,000 |
$31,906 | $1,902,000 |
| FHA-insured (Federal Housing Administration) |
89 | $16,715,000 |
$497,571 | $1,650,000 |
$20,285 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
6 | $778,000 |
$131,500 | $153,000 |
$54,500 | $103,000 |
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| Application Approved But Not Accepted |
99 | $18,220,000 |
$212,000 | $805,000 |
$165,666 | $377,000 |
| Application Denied By Financial Institution |
172 | $40,730,000 |
$518,200 | $4,000,000 |
$126,600 | $579,000 |
| Application Withdrawn By Applicant |
28 | $6,162,000 |
$176,500 | $1,281,000 |
$112,000 | $1,902,000 |
| File Closed For Incompleteness |
14 | $2,321,000 |
$163,000 | $528,000 |
$96,000 | $396,000 |
| Loan Originated |
817 | $132,891,000 |
$240,909 | $1,380,000 |
$212,727 | $740,000 |
| Loan Purchased By The Institution |
209 | $172,388,000 |
$833,448 | $10,121,000 |
$0 | $0 |
| Preapproval Approved but not Accepted |
133 | $21,442,000 |
$161,000 | $504,000 |
$55,000 | $245,000 |
| Preapproval Denied by Financial Institution |
74 | $11,414,000 |
$154,000 | $448,000 |
$39,000 | $128,000 |
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| Collateral |
16 | $3,034,000 |
$129,000 | $540,000 |
$105,500 | $204,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
93 | $14,025,000 |
$166,250 | $918,000 |
$68,750 | $179,000 |
| Debt-To-Income Ratio |
127 | $31,981,000 |
$551,400 | $4,000,000 |
$107,200 | $579,000 |
| Employment History |
2 | $282,000 |
$141,000 | $162,000 |
$37,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $2,242,000 |
$469,500 | $1,600,000 |
$104,500 | $349,000 |
| Unverifiable Information |
4 | $580,000 |
$122,000 | $319,000 |
$70,000 | $179,000 |
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Mortgage Loan App Totals for REGENCY SAVINGS BANK by:
Metropolitan Area And
County
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