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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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SETTLERS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SETTLERS BANK |
| Address | 115 THIRD STREET
MARIETTA, OH 45750 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 98 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,147,000 |
| Average Mortgage Loan Amount Applied For | $131,600 |
| Highest Mortgage Loan Amount Applied For | $430,000 |
| Average Applicant Income | $84,800 |
| Highest Applicant Income | $2,248,000 |
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| Home Improvement |
11 | $760,000 |
$69,000 | $152,000 |
$95,000 | $340,000 |
| Home Purchase |
52 | $6,202,000 |
$119,000 | $346,000 |
$117,000 | $2,248,000 |
| Refinancing |
36 | $4,240,000 |
$117,000 | $430,000 |
$70,000 | $145,000 |
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| American Indian or Alaskan Native |
1 | $141,000 |
$141,000 | $141,000 |
$79,000 | $79,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
98 | $11,061,000 |
$112,000 | $430,000 |
$98,000 | $2,248,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
99 | $11,202,000 |
$113,000 | $430,000 |
$98,000 | $2,248,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
6 | $268,000 |
$44,000 | $65,000 |
$34,000 | $52,000 |
| Application Withdrawn By Applicant |
2 | $246,000 |
$123,000 | $150,000 |
$52,000 | $59,000 |
| File Closed For Incompleteness |
1 | $264,000 |
$264,000 | $264,000 |
$126,000 | $126,000 |
| Loan Originated |
90 | $10,424,000 |
$115,000 | $430,000 |
$103,000 | $2,248,000 |
| 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 | $30,000 |
$30,000 | $30,000 |
$45,000 | $45,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $203,000 |
$50,000 | $65,000 |
$28,000 | $52,000 |
| Debt-To-Income Ratio |
1 | $35,000 |
$35,000 | $35,000 |
$50,000 | $50,000 |
| 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 SETTLERS BANK by:
Metropolitan Area And
County
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