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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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ATHOL-CLINTON CO-OP BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ATHOL-CLINTON CO-OP BANK |
| Address | 251 EXCHANGE STREET
ATHOL, MA 01331 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 213 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,241,000 |
| Average Mortgage Loan Amount Applied For | $157,000 |
| Highest Mortgage Loan Amount Applied For | $588,000 |
| Average Applicant Income | $78,750 |
| Highest Applicant Income | $252,000 |
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| Home Improvement |
56 | $4,442,000 |
$79,000 | $300,000 |
$55,000 | $161,000 |
| Home Purchase |
96 | $16,800,000 |
$175,000 | $500,000 |
$60,000 | $252,000 |
| Refinancing |
61 | $7,999,000 |
$131,000 | $588,000 |
$56,000 | $165,000 |
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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 | $114,000 |
$114,000 | $114,000 |
$72,000 | $72,000 |
| Hispanic |
2 | $342,000 |
$171,000 | $210,000 |
$41,000 | $55,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
10 | $2,279,000 |
$227,000 | $421,000 |
$91,000 | $252,000 |
| White |
200 | $26,506,000 |
$132,000 | $588,000 |
$56,000 | $174,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
213 | $29,241,000 |
$137,000 | $588,000 |
$58,000 | $252,000 |
| 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 |
1 | $95,000 |
$95,000 | $95,000 |
$40,000 | $40,000 |
| Application Denied By Financial Institution |
9 | $1,639,000 |
$182,000 | $314,000 |
$65,000 | $190,000 |
| Application Withdrawn By Applicant |
2 | $153,000 |
$76,000 | $100,000 |
$37,000 | $48,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
201 | $27,354,000 |
$136,000 | $588,000 |
$57,000 | $252,000 |
| 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 |
2 | $242,000 |
$121,000 | $200,000 |
$66,000 | $72,000 |
| Debt-To-Income Ratio |
5 | $936,000 |
$187,000 | $282,000 |
$38,000 | $59,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
2 | $461,000 |
$230,000 | $314,000 |
$130,000 | $190,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ATHOL-CLINTON CO-OP BANK by:
Metropolitan Area And
County
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