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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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VALLEY SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALLEY SAVINGS BANK |
| Address | 140 PORTAGE TRAIL
CUYAHOGA FALLS, OH 44221 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 104 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,921,000 |
| Average Mortgage Loan Amount Applied For | $83,285 |
| Highest Mortgage Loan Amount Applied For | $650,000 |
| Average Applicant Income | $141,857 |
| Highest Applicant Income | $794,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
36 | $4,941,000 |
$137,000 | $650,000 |
$108,000 | $794,000 |
| Refinancing |
68 | $4,980,000 |
$73,000 | $500,000 |
$60,000 | $397,000 |
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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 |
1 | $99,000 |
$99,000 | $99,000 |
$65,000 | $65,000 |
| Not applicable |
13 | $1,109,000 |
$85,000 | $500,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
90 | $8,713,000 |
$96,000 | $650,000 |
$88,000 | $794,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
104 | $9,921,000 |
$95,000 | $650,000 |
$77,000 | $794,000 |
| 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 | $176,000 |
$88,000 | $99,000 |
$42,000 | $65,000 |
| Application Denied By Financial Institution |
3 | $251,000 |
$83,000 | $120,000 |
$31,000 | $45,000 |
| Application Withdrawn By Applicant |
6 | $458,000 |
$76,000 | $134,000 |
$78,000 | $156,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
93 | $9,036,000 |
$97,000 | $650,000 |
$79,000 | $794,000 |
| 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 |
3 | $251,000 |
$83,000 | $120,000 |
$31,000 | $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 VALLEY SAVINGS BANK by:
Metropolitan Area And
County
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