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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 GREENE COUNTY
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BANK OF GREENE COUNTY |
| Address | 302 MAIN STREET
CATSKILL, NY 12414 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 568 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $57,883,000 |
| Average Mortgage Loan Amount Applied For | $137,200 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $107,200 |
| Highest Applicant Income | $480,000 |
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| Home Improvement |
274 | $12,260,000 |
$44,000 | $400,000 |
$72,000 | $394,000 |
| Home Purchase |
175 | $27,930,000 |
$159,000 | $1,500,000 |
$95,000 | $480,000 |
| Refinancing |
132 | $19,273,000 |
$146,000 | $633,000 |
$90,000 | $463,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $308,000 |
$154,000 | $248,000 |
$85,000 | $154,000 |
| Black or African American |
7 | $441,000 |
$63,000 | $208,000 |
$86,000 | $110,000 |
| Hispanic |
7 | $485,000 |
$69,000 | $185,000 |
$82,000 | $125,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $2,938,000 |
$293,000 | $1,500,000 |
$8,000 | $81,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
555 | $55,291,000 |
$99,000 | $633,000 |
$84,000 | $480,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
581 | $59,463,000 |
$102,000 | $1,500,000 |
$83,000 | $480,000 |
| 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 |
2 | $216,000 |
$108,000 | $166,000 |
$84,000 | $126,000 |
| Application Denied By Financial Institution |
62 | $5,332,000 |
$86,000 | $300,000 |
$58,000 | $217,000 |
| Application Withdrawn By Applicant |
45 | $5,053,000 |
$112,000 | $360,000 |
$66,000 | $205,000 |
| File Closed For Incompleteness |
2 | $400,000 |
$200,000 | $250,000 |
$93,000 | $186,000 |
| Loan Originated |
457 | $46,882,000 |
$102,000 | $1,500,000 |
$89,000 | $480,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
7 | $902,000 |
$128,000 | $220,000 |
$61,000 | $93,000 |
| Preapproval Denied by Financial Institution |
6 | $678,000 |
$113,000 | $181,000 |
$45,000 | $93,000 |
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| Collateral |
2 | $398,000 |
$199,000 | $248,000 |
$185,000 | $217,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
27 | $1,892,000 |
$70,000 | $300,000 |
$47,000 | $207,000 |
| Debt-To-Income Ratio |
23 | $2,686,000 |
$116,000 | $300,000 |
$61,000 | $163,000 |
| Employment History |
1 | $60,000 |
$60,000 | $60,000 |
$54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
12 | $722,000 |
$60,000 | $140,000 |
$51,000 | $126,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE BANK OF GREENE COUNTY by:
Metropolitan Area And
County
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