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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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SCHUYLER SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SCHUYLER SAVINGS BANK |
| Address | 24 DAVIS AVENUE
KEARNY, NJ 07032 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 95 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,773,000 |
| Average Mortgage Loan Amount Applied For | $141,333 |
| Highest Mortgage Loan Amount Applied For | $450,000 |
| Average Applicant Income | $133,166 |
| Highest Applicant Income | $615,000 |
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| Home Improvement |
46 | $5,254,000 |
$114,000 | $400,000 |
$108,000 | $275,000 |
| Home Purchase |
7 | $2,312,000 |
$330,000 | $396,000 |
$121,000 | $231,000 |
| Refinancing |
42 | $7,207,000 |
$171,000 | $450,000 |
$119,000 | $615,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $370,000 |
$185,000 | $190,000 |
$46,000 | $75,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
15 | $3,892,000 |
$259,000 | $450,000 |
$106,000 | $231,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $110,000 |
$110,000 | $110,000 |
$97,000 | $97,000 |
| White |
77 | $10,401,000 |
$135,000 | $450,000 |
$117,000 | $615,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
95 | $14,773,000 |
$155,000 | $450,000 |
$114,000 | $615,000 |
| 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 |
6 | $590,000 |
$98,000 | $270,000 |
$84,000 | $133,000 |
| Application Denied By Financial Institution |
4 | $1,210,000 |
$302,000 | $437,000 |
$110,000 | $155,000 |
| Application Withdrawn By Applicant |
5 | $915,000 |
$183,000 | $450,000 |
$179,000 | $615,000 |
| File Closed For Incompleteness |
3 | $675,000 |
$225,000 | $350,000 |
$95,000 | $123,000 |
| Loan Originated |
77 | $11,383,000 |
$147,000 | $450,000 |
$113,000 | $282,000 |
| 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 | $380,000 |
$380,000 | $380,000 |
$124,000 | $124,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $393,000 |
$196,000 | $312,000 |
$113,000 | $155,000 |
| Debt-To-Income Ratio |
1 | $437,000 |
$437,000 | $437,000 |
$89,000 | $89,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SCHUYLER SAVINGS BANK by:
Metropolitan Area And
County
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