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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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RONDOUT SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
RONDOUT SAVINGS BANK |
| Address | 300 BROADWAY
KINGSTON, NY 12401 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 251 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,973,000 |
| Average Mortgage Loan Amount Applied For | $197,833 |
| Highest Mortgage Loan Amount Applied For | $660,000 |
| Average Applicant Income | $88,166 |
| Highest Applicant Income | $544,000 |
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| Home Improvement |
127 | $8,521,000 |
$67,000 | $325,000 |
$64,000 | $342,000 |
| Home Purchase |
75 | $14,127,000 |
$188,000 | $660,000 |
$77,000 | $544,000 |
| Refinancing |
49 | $6,325,000 |
$129,000 | $450,000 |
$76,000 | $324,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $437,000 |
$145,000 | $199,000 |
$31,000 | $52,000 |
| Black or African American |
9 | $686,000 |
$76,000 | $227,000 |
$48,000 | $112,000 |
| Hispanic |
6 | $675,000 |
$112,000 | $260,000 |
$75,000 | $154,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $913,000 |
$182,000 | $375,000 |
$0 | $0 |
| Not Provided |
1 | $189,000 |
$189,000 | $189,000 |
$16,000 | $16,000 |
| White |
227 | $26,073,000 |
$114,000 | $660,000 |
$73,000 | $544,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
251 | $28,973,000 |
$115,000 | $660,000 |
$70,000 | $544,000 |
| 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 |
9 | $1,290,000 |
$143,000 | $375,000 |
$38,000 | $94,000 |
| Application Denied By Financial Institution |
23 | $2,849,000 |
$123,000 | $300,000 |
$39,000 | $121,000 |
| Application Withdrawn By Applicant |
21 | $2,615,000 |
$124,000 | $358,000 |
$48,000 | $165,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
198 | $22,219,000 |
$112,000 | $660,000 |
$78,000 | $544,000 |
| 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 | $110,000 |
$110,000 | $110,000 |
$55,000 | $55,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $709,000 |
$118,000 | $190,000 |
$34,000 | $81,000 |
| Debt-To-Income Ratio |
8 | $1,143,000 |
$142,000 | $300,000 |
$54,000 | $121,000 |
| 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 | $8,000 |
$8,000 | $8,000 |
$21,000 | $21,000 |
| Unverifiable Information |
1 | $240,000 |
$240,000 | $240,000 |
$66,000 | $66,000 |
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Mortgage Loan App Totals for RONDOUT SAVINGS BANK by:
Metropolitan Area And
County
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