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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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THE BANK OF CASTILE
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BANK OF CASTILE |
| Address | 133 NORTH CENTER STREET
PERRY, NY 14530 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 525 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $39,396,000 |
| Average Mortgage Loan Amount Applied For | $120,866 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $66,600 |
| Highest Applicant Income | $1,688,000 |
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| Home Improvement |
194 | $4,714,000 |
$24,000 | $485,000 |
$49,000 | $143,000 |
| Home Purchase |
215 | $24,443,000 |
$113,000 | $2,000,000 |
$73,000 | $1,688,000 |
| Refinancing |
117 | $10,294,000 |
$87,000 | $661,000 |
$67,000 | $571,000 |
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| American Indian or Alaskan Native |
1 | $20,000 |
$20,000 | $20,000 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $136,000 |
$45,000 | $69,000 |
$39,000 | $53,000 |
| Hispanic |
6 | $366,000 |
$61,000 | $197,000 |
$44,000 | $80,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
12 | $2,793,000 |
$232,000 | $770,000 |
$0 | $0 |
| Not Provided |
2 | $90,000 |
$45,000 | $60,000 |
$67,000 | $88,000 |
| White |
502 | $36,046,000 |
$71,000 | $2,000,000 |
$65,000 | $1,688,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
526 | $39,451,000 |
$75,000 | $2,000,000 |
$63,000 | $1,688,000 |
| 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 |
16 | $1,271,000 |
$79,000 | $140,000 |
$42,000 | $74,000 |
| Application Denied By Financial Institution |
71 | $3,043,000 |
$42,000 | $485,000 |
$41,000 | $174,000 |
| Application Withdrawn By Applicant |
29 | $2,065,000 |
$71,000 | $222,000 |
$47,000 | $97,000 |
| File Closed For Incompleteness |
1 | $86,000 |
$86,000 | $86,000 |
$70,000 | $70,000 |
| Loan Originated |
408 | $32,931,000 |
$80,000 | $2,000,000 |
$69,000 | $1,688,000 |
| 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 |
1 | $55,000 |
$55,000 | $55,000 |
$29,000 | $29,000 |
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| Collateral |
10 | $1,098,000 |
$109,000 | $485,000 |
$55,000 | $82,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
23 | $535,000 |
$23,000 | $150,000 |
$43,000 | $76,000 |
| Debt-To-Income Ratio |
36 | $1,384,000 |
$38,000 | $197,000 |
$32,000 | $80,000 |
| Employment History |
1 | $2,000 |
$2,000 | $2,000 |
$17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $79,000 |
$39,000 | $72,000 |
$132,000 | $174,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE BANK OF CASTILE by:
Metropolitan Area And
County
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