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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 TROY SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE TROY SAVINGS BANK |
| Address | 433 RIVER STREET - 7TH FLOOR
TROY, NY 12180 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 284 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,164,000 |
| Average Mortgage Loan Amount Applied For | $138,090 |
| Highest Mortgage Loan Amount Applied For | $525,000 |
| Average Applicant Income | $86,727 |
| Highest Applicant Income | $736,000 |
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| Home Improvement (one-to-four family) |
29 | $430,000 |
$14,000 | $31,000 |
$58,000 | $285,000 |
| Home Purchase (one-to-four family) |
92 | $10,413,000 |
$113,000 | $525,000 |
$67,000 | $736,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
163 | $17,321,000 |
$296,500 | $490,000 |
$136,000 | $468,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
3 | $484,000 |
$161,000 | $210,000 |
$73,000 | $84,000 |
| Black |
4 | $582,000 |
$145,000 | $400,000 |
$88,000 | $199,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Information not provided by applicant in mail or telephone application |
2 | $29,000 |
$14,000 | $22,000 |
$64,000 | $81,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
275 | $27,069,000 |
$293,500 | $525,000 |
$133,000 | $736,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
284 | $28,164,000 |
$293,500 | $525,000 |
$133,500 | $736,000 |
| 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 |
9 | $868,000 |
$96,000 | $250,000 |
$60,000 | $103,000 |
| Application Denied By Financial Institution |
22 | $1,475,000 |
$67,000 | $192,000 |
$51,000 | $132,000 |
| Application Withdrawn By Applicant |
19 | $2,054,000 |
$108,000 | $235,000 |
$85,000 | $318,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
234 | $23,767,000 |
$294,500 | $525,000 |
$135,500 | $736,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
4 | $358,000 |
$89,000 | $112,000 |
$52,000 | $78,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $722,000 |
$72,000 | $192,000 |
$52,000 | $132,000 |
| Debt-To-Income Ratio |
5 | $178,000 |
$35,000 | $82,000 |
$45,000 | $90,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $146,000 |
$146,000 | $146,000 |
$52,000 | $52,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $71,000 |
$35,000 | $46,000 |
$56,000 | $78,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE TROY SAVINGS BANK by:
Metropolitan Area And
County
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