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Back to: Shaler Township, PA, Pennsylvania, Pennsylvania forum, All US cities.
Home Mortgage Disclosure Act Statistics for Shaler Township, Pennsylvania(PA), Zip Code 15223, Allegheny County, Tract 4272.00- Federal Deposit Insurance Corporation (FDIC)
ADVANTA BANK CORP. (UT): 1 File Closed For Incompleteness in 2000: Home Improvement Loan for $15,000
CONSECO BANK, INC. (UT): 1 Application Approved, Not Accepted in 2000: Home Improvement Loan for $27,000
| CITIZENS BANK OF PENNSYLVANIA (PA) - Home Mortgage Disclosure Act Statistics For Year 2007 in Shaler Township, PA, Tract 4272.00 |
| C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 0 | $0 | 5 | $15,400 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $92,000 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 4 | $8,750 | 1 | $5,000 |
| CITIZENS BANK OF PENNSYLVANIA (PA) - Statistics For Year 2006 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $104,000 | 6 | $31,167 | 7 | $28,000 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 1 | $38,000 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $80,000 | 5 | $6,000 | 1 | $1,000 |
| CITIZENS BANK OF PENNSYLVANIA (PA) - Statistics For Year 2005 |
| C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 2 | $45,000 | 0 | $0 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $48,000 | 1 | $22,000 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $40,000 | 8 | $11,125 | 6 | $8,000 |
| CITIZENS BANK OF PENNSYLVANIA (PA) - Statistics For Year 2004 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $45,000 | 7 | $55,286 | 4 | $41,750 | 2 | $22,000 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 | 1 | $6,000 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 8 | $71,875 | 8 | $24,750 | 3 | $2,333 |
| CITIZENS BANK OF PENNSYLVANIA (PA) - Statistics For Year 2002 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 0 | $0 | 5 | $83,200 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $48,500 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $25,000 | 6 | $74,333 | 2 | $66,000 |
GMAC BANK (UT): 1 Loan Originated in 2007: Conventional Home Purchase Loan for $55,000
GREENPOINT MORTGAGE FUNDING (NC):- 2005: 1 Loan Originated: Conventional Home Purchase Loan for $97,000
- 2004: 1 Loan Originated: Conventional Home Purchase Loan for $149,000
- 2003: 1 Loan Originated: Conventional Home Purchase Loan for $64,000
- 2003: 1 Application Withdrawn: Refinancing for $90,000
- 2002: 1 Loan Originated: Conventional Home Purchase Loan for $51,000
- 2002: 1 Application Withdrawn: Refinancing for $94,000
- 2000: 1 Application Denied: Conventional Home Purchase Loan for $51,000
PV FINANCIAL SERVICE (PA): 1 Application Denied in 2000: Home Improvement Loan for $50,000
LIBERTY MORTGAGE CORPORATION (GA): 2 Loans Originated in 2002: Refinancings for an average of $66,500
| CITIZENS MORTGAGE CORP. (RI) - Home Mortgage Disclosure Act Statistics For Year 2004 |
| C) Refinancings
|
|---|
| Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $75,000 |
| CITIZENS MORTGAGE CORP. (RI) - Statistics For Year 2003 |
| B) Conventional
Home Purchase Loans | C) Refinancings
|
|---|
| Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 0 | $0 | 3 | $73,000 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $93,000 |
| APPLICATIONS WITHDRAWN | 1 | $63,000 | 0 | $0 |
| CITIZENS MORTGAGE CORP. (RI) - Statistics For Year 2002 |
| C) Refinancings
|
|---|
| Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $121,000 |
| APPLICATIONS DENIED | 1 | $70,000 |
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Home Mortgage Disclosure Act Statistics for Shaler Township, Pennsylvania(PA), Zip Code 15223, Allegheny County, Tract 4272.00- Office of Thrift Supervision (OTS)
GREAT AMERICAN FEDERAL (PA): 1 Loan Originated in 2002: Home Improvement Loan for $22,000
ESB BANK (PA):- 2003: 3 Loans Originated: Refinancings for an average of $91,333
- 2002: 1 Loan Originated: Refinancing for $45,000
- 2001: 2 Loans Originated: Refinancings for an average of $75,000
- 2001: 1 Loan Originated: Home Improvement Loan for $15,000
- 2000: 3 Loans Originated: Conventional Home Purchase Loans for an average of $97,000
- 2000: 1 Loan Originated: Home Improvement Loan for $40,000
- 1999: 1 Loan Originated: Conventional Home Purchase Loan for $101,000
- 1999: 1 File Closed For Incompleteness: Conventional Home Purchase Loan for $20,000
MT. TROY BANK (PA): 1 Loan Originated in 2005: Conventional Home Purchase Loan for $25,000
EUREKA BANK (PA): 1 Application Withdrawn in 2006: Conventional Home Purchase Loan for $15,000
CITIBANK, FSB (VA): 1 Application Denied in 2005: Refinancing for $60,000
BELL FEDERAL SAVINGS (PA): 3 Loans Originated in 1999: Conventional Home Purchase Loans for an average of $105,000
M&I BANK FSB (NV):- 2005: 1 Loan Originated: Refinancing for $83,000
- 2002: 1 Application Withdrawn: Refinancing for $65,000
INDYMAC BANK, F.S.B. (CA):- 2007: 1 Loan Originated: Conventional Home Purchase Loan for $44,000
- 2006: 1 Application Denied: Conventional Home Purchase Loan for $285,000
- 2005: 1 Loan Originated: Conventional Home Purchase Loan for $43,000
AMTRUST BANK (OH):- 2007: 2 Loans Originated: Conventional Home Purchase Loans for an average of $123,500
- 2007: 1 Loan Originated: Refinancing for $55,000
- 2005: 1 Loan Originated: Refinancing for $164,000
- 2005: 1 Application Withdrawn: Conventional Home Purchase Loan for $160,000
- 2002: 2 Loans Originated: Refinancings for an average of $99,500
FIRST FEDERAL SAVINGS BANK (PA): 1 Loan Originated in 2004: Conventional Home Purchase Loan for $118,000
SOVEREIGN BANK (PA): 1 Loan Originated in 2005: Conventional Home Purchase Loan for $94,000
LEHMAN BROTHERS BANK, FSB (DE): 1 Application Denied in 2007: Conventional Home Purchase Loan for $232,000
DOWNEY SAVINGS AND LOAN (CA): 1 Application Denied in 2001: Conventional Home Purchase Loan for $85,000
USAA FEDERAL SAVINGS BANK (TX):- 2007: 1 Loan Originated: Conventional Home Purchase Loan for $128,000
- 2006: 1 Loan Originated: FHA, FSA/RHS & VA Home Purchase Loan for $140,000
- 2004: 1 Loan Originated: Conventional Home Purchase Loan for $59,000
| DOLLAR BANK, FSB (PA) - Home Mortgage Disclosure Act Statistics For Year 2007 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $76,000 | 3 | $41,000 | 3 | $23,333 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $47,000 | 0 | $0 |
| DOLLAR BANK, FSB (PA) - Statistics For Year 2006 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 0 | $0 | 1 | $68,000 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 1 | $10,000 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $102,000 | 0 | $0 | 0 | $0 |
| DOLLAR BANK, FSB (PA) - Statistics For Year 2005 |
| B) Conventional
Home Purchase Loans | D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $88,000 | 1 | $28,000 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $30,000 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $30,000 |
| DOLLAR BANK, FSB (PA) - Statistics For Year 2004 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 2 | $54,000 | 2 | $67,000 | 3 | $23,667 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 1 | $30,000 |
| DOLLAR BANK, FSB (PA) - Statistics For Year 2002 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $60,000 | 1 | $40,000 | 1 | $12,000 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $34,000 | 0 | $0 | 0 | $0 |
| DOLLAR BANK, FSB (PA) - Statistics For Year 2001 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 3 | $63,333 | 3 | $83,000 | 1 | $30,000 |
| APPLICATIONS WITHDRAWN | 1 | $29,000 | 0 | $0 | 0 | $0 |
| DOLLAR BANK, FSB (PA) - Statistics For Year 2000 |
| D) Home Improvement Loans
|
|---|
| Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $8,000 |
| DOLLAR BANK, FSB (PA) - Statistics For Year 1999 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 3 | $87,667 | 0 | $0 | 4 | $30,750 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $35,000 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $86,000 | 0 | $0 |
CHEVY CHASE BANK, F.S.B. (VA): 1 Loan Originated in 2001: Conventional Home Purchase Loan for $87,000
AMERICAN BANK (MD): 2 Loans Originated in 2007: Conventional Home Purchase Loans for an average of $72,000
EASTERN SAVINGS BANK, FSB (MD):- 2004: 1 Application Denied: Refinancing for $142,000
- 2003: 1 Loan Originated: Refinancing for $124,000
- 2002: 1 File Closed For Incompleteness: Refinancing for $225,000
FLAGSTAR BANK (MI):- 2007: 1 Application Approved, Not Accepted: Refinancing for $135,000
- 2004: 3 Loans Originated: Refinancings for an average of $82,667
- 2004: 1 Application Denied: Refinancing for $81,000
UNION FEDERAL C/O SKY BANK (IN): 2 Loans Originated in 2002: Refinancings for an average of $60,000
WASHINGTON MUTUAL BANK (NV):- 2007: 2 Loans Originated: Refinancings for an average of $128,500
- 2006: 2 Loans Originated: Refinancings for an average of $82,000
- 2006: 1 Loan Originated: Non-occupant Loan on < 5 Family Dwellings for $34,000
- 2005: 1 Loan Originated: Conventional Home Purchase Loan for $285,000
- 2005: 5 Loans Originated: Refinancings for an average of $86,000
- 2005: 2 Applications Approved, Not Accepted: Refinancings for an average of $68,000
- 2005: 1 Application Approved, Not Accepted: Non-occupant Loan on < 5 Family Dwellings for $33,000
- 2004: 2 Loans Originated: Refinancings for an average of $63,000
- 2004: 2 Applications Approved, Not Accepted: Refinancings for an average of $85,000
WORTHINGTON FEDERAL BANK (AL):- 2002: 1 Loan Originated: Refinancing for $50,000
- 2002: 1 Application Approved, Not Accepted: Refinancing for $215,000
- 2000: 1 Application Denied: Refinancing for $55,000
HOME LOAN INVESTMENT BANK (RI):- 2007: 1 Application Approved, Not Accepted: Refinancing for $50,000
- 2007: 2 Applications Denied: Refinancings for an average of $85,000
- 2004: 1 Application Denied: Refinancing for $122,000
- 2002: 1 Application Denied: Refinancing for $77,000
- 2000: 1 Application Denied: Home Improvement Loan for $96,000
WORLD SAVINGS BANK, FSB (CA):- 2007: 1 Loan Originated: Refinancing for $82,000
- 2005: 1 Application Approved, Not Accepted: Refinancing for $75,000
- 2005: 1 File Closed For Incompleteness: Refinancing for $112,000
WEBSTER BANK (CT): 1 Loan Originated in 2003: Conventional Home Purchase Loan for $43,000
MIDFIRST BANK (OK):- 2005: 1 Loan Originated: Conventional Home Purchase Loan for $107,000
- 2002: 1 Loan Originated: Refinancing for $52,000
CITICORP TRUST BANK, FSB (DE):- 2007: 1 Application Approved, Not Accepted: Home Improvement Loan for $165,000
- 2007: 2 Applications Denied: Refinancings for an average of $113,000
- 2006: 1 Loan Originated: Refinancing for $97,000
- 2006: 1 Application Approved, Not Accepted: Refinancing for $95,000
- 2006: 1 Application Denied: Refinancing for $130,000
AIG FEDERAL SAVINGS BANK (DE):- 2006: 1 Loan Originated: Conventional Home Purchase Loan for $68,000
- 2005: 2 Loans Originated: Refinancings for an average of $138,000
- 2004: 1 Application Approved, Not Accepted: Refinancing for $135,000
- 2003: 1 Application Denied: Refinancing for $105,000
- 2003: 1 Application Withdrawn: Refinancing for $82,000
GE MONEY BANK (UT):- 2006: 1 Application Denied: Refinancing for $71,000
- 2005: 1 Loan Originated: Home Improvement Loan for $23,000
- 2005: 1 Application Denied: Home Improvement Loan for $12,000
GMAC BANK (DE):- 2005: 1 Loan Originated: Conventional Home Purchase Loan for $87,000
- 2005: 1 Loan Originated: Refinancing for $112,000
- 2004: 1 Loan Originated: Refinancing for $74,000
COUNTRYWIDE BANK, FSB (VA): 4 Loans Originated in 2007: Conventional Home Purchase Loans for an average of $101,250
| CITIFINANCIAL MTG CO, INC (TX) - Home Mortgage Disclosure Act Statistics For Year 2006 in Zip Code 15223, PA, Tract 4272.00 |
| C) Refinancings
|
|---|
| Number | Average Value |
|---|
| APPLICATIONS DENIED | 2 | $25,000 |
| CITIFINANCIAL MTG CO, INC (TX) - Statistics For Year 2005 |
| C) Refinancings
|
|---|
| Number | Average Value |
|---|
| FILES CLOSED FOR INCOMPLETENESS | 2 | $68,000 |
| CITIFINANCIAL MTG CO, INC (TX) - Statistics For Year 2004 |
| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
|
|---|
| Number | Average Value | Number | Average Value | Number | Average Value |
|---|
| LOANS ORIGINATED | 1 | $22,000 | 1 | $115,000 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $67,000 | 1 | $10,000 |
CITIMORTGAGE, INC. (MO): 1 Loan Originated in 2004: Refinancing for $74,000
SIB MORTGAGE CORP. (NJ): 2 Loans Originated in 2003: Conventional Home Purchase Loans for an average of $62,500
CHARTER ONE MORTGAGE CORP (OH): 1 File Closed For Incompleteness in 1999: Conventional Home Purchase Loan for $82,000
LONG BEACH MORTGAGE CO. (NY): 2 Applications Denied in 2006: Refinancings for an average of $149,000
CHARTER ONE CREDIT CORPORATION (OH):- 2001: 1 Application Denied: Refinancing for $57,000
- 1999: 1 Application Approved, Not Accepted: Refinancing for $70,000
- 1999: 1 Application Denied: Refinancing for $38,000
ABNAMRO MTG. GROUP INC. (MI): 1 Loan Originated in 2000: Conventional Home Purchase Loan for $102,000
GB HOME EQUITY, LLC (WI):- 2007: 1 Loan Originated: Refinancing for $75,000
- 2006: 1 Application Denied: Conventional Home Purchase Loan for $38,000
- 2005: 1 Application Denied: Refinancing for $41,000
- 2004: 1 Application Denied: Refinancing for $142,000
- 2004: 1 Application Withdrawn: Refinancing for $39,000
- 2004: 1 File Closed For Incompleteness: Refinancing for $30,000
- 2002: 1 Application Denied: Home Improvement Loan for $6,000
WILMINGTON FINANCE, INC. (PA): 3 Applications Denied in 2001: Refinancings for an average of $92,333
FIRST FRANKLIN CORPORATION (CA): 4 Loans Originated in 2007: Conventional Home Purchase Loans for an average of $83,750
PRICELINE MORTGAGE COMPANY LLC (FL): 1 Application Denied in 2002: Refinancing for $81,000
FINANCE AMERICA (NY): 1 Loan Originated in 2005: Refinancing for $59,000
CORINTHIAN MORTGAGE CORP (MS):- 2006: 1 File Closed For Incompleteness: Refinancing for $64,000
- 2002: 1 Application Denied: Refinancing for $35,000
- 2002: 1 Application Withdrawn: Refinancing for $80,000
NORTH AMERICAN MORTGAGE CO (FL):- 2001: 3 Loans Originated: Refinancings for an average of $91,333
- 2001: 1 Application Approved, Not Accepted: Refinancing for $61,000
- 2001: 1 Application Denied: Refinancing for $76,000
- 2000: 1 Loan Originated: Conventional Home Purchase Loan for $38,000
- 2000: 1 Loan Originated: Refinancing for $30,000
- 2000: 1 Loan Originated: Non-occupant Loan on < 5 Family Dwellings for $38,000
- 2000: 1 Application Denied: Refinancing for $72,000
FIRST NATIONWIDE MORTGAGE CORP (CA): 1 Loan Originated in 2001: Refinancing for $64,000
MERITAGE MORTGAGE CORPORATION (OR): 1 Loan Originated in 2006: Refinancing for $143,000
BNC MORTGAGE (NY): 1 Loan Originated in 2006: Conventional Home Purchase Loan for $80,000
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Home Mortgage Disclosure Act Statistics for Shaler Township, Pennsylvania(PA), Zip Code 15223, Allegheny County, Tract 4272.00- National Credit Union Administration (NCUA)
ALLEGENT COMMUNITY FEDERAL CREDIT UNION (PA):- 2007: 1 Loan Originated: Home Improvement Loan for $85,000
- 2006: 1 Loan Originated: Home Improvement Loan for $5,000
- 2004: 1 Loan Originated: Refinancing for $40,000
- 2004: 1 Loan Originated: Home Improvement Loan for $5,000
- 2004: 1 Loan Originated: Non-occupant Loan on < 5 Family Dwellings for $5,000
- 2004: 1 File Closed For Incompleteness: Refinancing for $40,000
- 2003: 1 Loan Originated: Refinancing for $60,000
- 2001: 2 Loans Originated: Home Improvement Loans for an average of $7,500
PITTSBURGH FIREFIGHTERS FEDERAL CREDIT UNION (PA): 1 Loan Originated in 2007: Refinancing for $23,000
TRI BORO FEDERAL CREDIT UNION (PA): 1 Loan Originated in 2006: Conventional Home Purchase Loan for $216,000
PITTSBURGH CENTRAL FEDERAL CREDIT UNION (PA):- 2005: 1 Loan Originated: Home Improvement Loan for $60,000
- 2004: 1 Loan Originated: Refinancing for $46,000
- 2004: 1 Loan Originated: Home Improvement Loan for $25,000
- 2003: 1 Loan Originated: Refinancing for $25,000
USX FEDERAL CREDIT UNION (PA):- 2007: 1 Loan Originated: Home Improvement Loan for $60,000
- 2004: 1 Loan Originated: Home Improvement Loan for $15,000
- 2001: 1 Loan Originated: Refinancing for $15,000
OMEGA FEDERAL CREDIT UNION (PA):- 2007: 2 Loans Originated: Refinancings for an average of $90,000
- 2006: 2 Loans Originated: Refinancings for an average of $45,500
- 2006: 1 Loan Originated: Home Improvement Loan for $15,000
- 2005: 1 Loan Originated: Refinancing for $15,000
- 2004: 2 Loans Originated: Refinancings for an average of $24,000
- 2004: 1 Loan Originated: Home Improvement Loan for $16,000
- 2003: 1 Loan Originated: Refinancing for $38,000
- 2003: 1 Loan Originated: Home Improvement Loan for $14,000
- 2002: 3 Loans Originated: Refinancings for an average of $49,333
- 2001: 1 Loan Originated: Home Improvement Loan for $29,000
NFCU (VA):- 2007: 1 Loan Originated: Conventional Home Purchase Loan for $49,000
- 2004: 1 Loan Originated: Conventional Home Purchase Loan for $99,000
- 2003: 1 Loan Originated: Refinancing for $59,000
AMERICAN HERITAGE FEDERAL CREDIT UNION (PA): 1 Application Approved, Not Accepted in 2007: Conventional Home Purchase Loan for $108,000
CLEARVIEW FEDERAL CREDIT UNION (PA):- 2006: 1 Loan Originated: Home Improvement Loan for $35,000
- 2005: 1 Loan Originated: Home Improvement Loan for $25,000
- 2003: 1 Loan Originated: Refinancing for $93,000
BAYER HERITAGE FEDERAL CREDIT UNION (WV): 1 Loan Originated in 2000: Refinancing for $63,000
PA STATE EMPLOYEES CU (PA): 1 Application Denied in 2004: Refinancing for $29,000
PITTSBURGH TEACHERS C U (PA): 1 Application Withdrawn in 2005: Refinancing for $32,000
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