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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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VIGILANT FEDERAL SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
VIGILANT FEDERAL SAVINGS BANK |
| Address | 532 EASTERN BLVD
BALTIMORE, MD 21221 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 67 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,621,000 |
| Average Mortgage Loan Amount Applied For | $188,800 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $32,000 |
| Highest Applicant Income | $184,000 |
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| Home Improvement |
3 | $489,000 |
$163,000 | $225,000 |
$31,000 | $94,000 |
| Home Purchase |
31 | $6,517,000 |
$210,000 | $800,000 |
$39,000 | $130,000 |
| Refinancing |
33 | $4,615,000 |
$139,000 | $450,000 |
$36,000 | $184,000 |
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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 |
1 | $30,000 |
$30,000 | $30,000 |
$0 | $0 |
| Hispanic |
1 | $65,000 |
$65,000 | $65,000 |
$27,000 | $27,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $1,107,000 |
$123,000 | $225,000 |
$0 | $0 |
| Not Provided |
1 | $195,000 |
$195,000 | $195,000 |
$0 | $0 |
| White |
55 | $10,224,000 |
$185,000 | $800,000 |
$45,000 | $184,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
67 | $11,621,000 |
$173,000 | $800,000 |
$37,000 | $184,000 |
| 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 |
3 | $400,000 |
$133,000 | $280,000 |
$44,000 | $78,000 |
| Application Denied By Financial Institution |
1 | $375,000 |
$375,000 | $375,000 |
$0 | $0 |
| Application Withdrawn By Applicant |
7 | $789,000 |
$112,000 | $260,000 |
$15,000 | $58,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
56 | $10,057,000 |
$179,000 | $800,000 |
$41,000 | $184,000 |
| 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 |
1 | $375,000 |
$375,000 | $375,000 |
$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 VIGILANT FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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