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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 BERKSHIRE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BERKSHIRE BANK |
| Address | 4 EAST 39TH STREET
NEW YORK, NY 10016 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 19 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,391,000 |
| Average Mortgage Loan Amount Applied For | $406,750 |
| Highest Mortgage Loan Amount Applied For | $1,755,000 |
| Average Applicant Income | $148,375 |
| Highest Applicant Income | $905,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
11 | $4,782,000 |
$434,000 | $1,755,000 |
$202,000 | $905,000 |
| Refinancing |
8 | $1,609,000 |
$201,000 | $365,000 |
$69,000 | $201,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
19 | $6,391,000 |
$336,000 | $1,755,000 |
$146,000 | $905,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
19 | $6,391,000 |
$336,000 | $1,755,000 |
$146,000 | $905,000 |
| 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 |
1 | $88,000 |
$88,000 | $88,000 |
$45,000 | $45,000 |
| Application Withdrawn By Applicant |
2 | $684,000 |
$342,000 | $599,000 |
$152,000 | $245,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
16 | $5,619,000 |
$351,000 | $1,755,000 |
$152,000 | $905,000 |
| 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 |
1 | $88,000 |
$88,000 | $88,000 |
$45,000 | $45,000 |
| 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 THE BERKSHIRE BANK by:
Metropolitan Area And
County
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