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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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STANDARD BANK PASB
Mortgage Loans and Application Details
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| Mortgage Company Name |
STANDARD BANK PASB |
| Address | 2640 MONROEVILLE BOULEVARD
MONROEVILLE, PA 15146 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 467 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $48,933,000 |
| Average Mortgage Loan Amount Applied For | $200,619 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $126,904 |
| Highest Applicant Income | $1,677,000 |
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| Home Improvement |
137 | $5,003,000 |
$36,000 | $220,000 |
$61,000 | $242,000 |
| Home Purchase |
167 | $25,575,000 |
$153,000 | $1,145,000 |
$112,000 | $920,000 |
| Refinancing |
163 | $18,355,000 |
$112,000 | $1,200,000 |
$90,000 | $1,677,000 |
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| American Indian or Alaskan Native |
1 | $39,000 |
$39,000 | $39,000 |
$53,000 | $53,000 |
| Asian |
2 | $529,000 |
$264,000 | $447,000 |
$403,000 | $490,000 |
| Black or African American |
9 | $999,000 |
$111,000 | $623,000 |
$93,000 | $148,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $292,000 |
$292,000 | $292,000 |
$144,000 | $144,000 |
| Not applicable |
8 | $1,018,000 |
$127,000 | $360,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
446 | $46,056,000 |
$103,000 | $1,200,000 |
$89,000 | $1,677,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
467 | $48,933,000 |
$104,000 | $1,200,000 |
$89,000 | $1,677,000 |
| 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 | $503,000 |
$83,000 | $217,000 |
$49,000 | $80,000 |
| Application Denied By Financial Institution |
56 | $4,448,000 |
$79,000 | $1,145,000 |
$51,000 | $219,000 |
| Application Withdrawn By Applicant |
8 | $1,229,000 |
$153,000 | $262,000 |
$62,000 | $124,000 |
| File Closed For Incompleteness |
1 | $20,000 |
$20,000 | $20,000 |
$83,000 | $83,000 |
| Loan Originated |
396 | $42,733,000 |
$107,000 | $1,200,000 |
$96,000 | $1,677,000 |
| 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 |
11 | $841,000 |
$76,000 | $192,000 |
$86,000 | $219,000 |
| Credit Application Incomplete |
1 | $78,000 |
$78,000 | $78,000 |
$72,000 | $72,000 |
| Credit History |
27 | $1,656,000 |
$61,000 | $160,000 |
$42,000 | $80,000 |
| Debt-To-Income Ratio |
16 | $1,858,000 |
$116,000 | $1,145,000 |
$42,000 | $125,000 |
| 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 |
1 | $15,000 |
$15,000 | $15,000 |
$26,000 | $26,000 |
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Mortgage Loan App Totals for STANDARD BANK PASB by:
Metropolitan Area And
County
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