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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 ONEIDA SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE ONEIDA SAVINGS BANK |
| Address | 182 MAIN STREET
ONEIDA, NY 13421 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 539 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $40,245,000 |
| Average Mortgage Loan Amount Applied For | $75,777 |
| Highest Mortgage Loan Amount Applied For | $510,000 |
| Average Applicant Income | $88,444 |
| Highest Applicant Income | $508,000 |
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| Home Improvement |
154 | $3,984,000 |
$25,000 | $250,000 |
$62,000 | $484,000 |
| Home Purchase |
238 | $23,389,000 |
$98,000 | $510,000 |
$66,000 | $508,000 |
| Refinancing |
147 | $12,872,000 |
$87,000 | $380,000 |
$70,000 | $429,000 |
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| American Indian or Alaskan Native |
2 | $142,000 |
$71,000 | $74,000 |
$63,000 | $97,000 |
| Asian |
4 | $389,000 |
$97,000 | $173,000 |
$137,000 | $229,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $110,000 |
$55,000 | $100,000 |
$208,000 | $331,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $893,000 |
$178,000 | $510,000 |
$18,000 | $70,000 |
| Not Provided |
1 | $61,000 |
$61,000 | $61,000 |
$23,000 | $23,000 |
| White |
525 | $38,650,000 |
$73,000 | $400,000 |
$65,000 | $508,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
519 | $38,430,000 |
$74,000 | $510,000 |
$66,000 | $508,000 |
| FHA-insured (Federal Housing Administration) |
9 | $764,000 |
$84,000 | $119,000 |
$48,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
11 | $1,051,000 |
$95,000 | $140,000 |
$54,000 | $85,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
45 | $1,184,000 |
$26,000 | $119,000 |
$36,000 | $104,000 |
| Application Withdrawn By Applicant |
38 | $2,698,000 |
$71,000 | $280,000 |
$55,000 | $175,000 |
| File Closed For Incompleteness |
1 | $63,000 |
$63,000 | $63,000 |
$27,000 | $27,000 |
| Loan Originated |
455 | $36,300,000 |
$79,000 | $510,000 |
$70,000 | $508,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE ONEIDA SAVINGS BANK by:
Metropolitan Area And
County
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