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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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SINCERE FEDERAL SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SINCERE FEDERAL SAVINGS BANK |
| Address | 1355 STOCKTON STREET
SAN FRANCISCO, CA 94133 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 17 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,898,000 |
| Average Mortgage Loan Amount Applied For | $371,250 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $24,750 |
| Highest Applicant Income | $123,000 |
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| Home Improvement |
2 | $618,000 |
$309,000 | $369,000 |
$0 | $0 |
| Home Purchase |
8 | $4,094,000 |
$511,000 | $686,000 |
$11,000 | $67,000 |
| Refinancing |
8 | $2,486,000 |
$306,000 | $750,000 |
$17,000 | $123,000 |
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| American Indian or Alaskan Native |
1 | $509,000 |
$509,000 | $509,000 |
$0 | $0 |
| Asian |
8 | $3,189,000 |
$356,000 | $750,000 |
$10,000 | $123,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $396,000 |
$198,000 | $238,000 |
$63,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $369,000 |
$369,000 | $369,000 |
$0 | $0 |
| White |
6 | $2,735,000 |
$455,000 | $686,000 |
$16,000 | $67,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
18 | $7,198,000 |
$352,500 | $750,000 |
$9,500 | $123,000 |
| 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 |
2 | $1,100,000 |
$550,000 | $750,000 |
$61,000 | $123,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
1 | $350,000 |
$350,000 | $350,000 |
$0 | $0 |
| Loan Originated |
15 | $5,748,000 |
$344,500 | $686,000 |
$6,500 | $67,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
2 | $1,100,000 |
$550,000 | $750,000 |
$61,000 | $123,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SINCERE FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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