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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 SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ATHOL SAVINGS BANK |
| Address | 444 MAIN 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 | 251 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,085,000 |
| Average Mortgage Loan Amount Applied For | $96,200 |
| Highest Mortgage Loan Amount Applied For | $560,000 |
| Average Applicant Income | $74,600 |
| Highest Applicant Income | $500,000 |
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| Home Improvement |
96 | $5,422,000 |
$56,000 | $350,000 |
$66,000 | $235,000 |
| Home Purchase |
37 | $6,917,000 |
$186,000 | $560,000 |
$95,000 | $500,000 |
| Refinancing |
118 | $11,746,000 |
$99,000 | $393,000 |
$66,000 | $403,000 |
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| American Indian or Alaskan Native |
1 | $58,000 |
$58,000 | $58,000 |
$62,000 | $62,000 |
| Asian |
2 | $37,000 |
$18,000 | $22,000 |
$46,000 | $58,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $294,000 |
$98,000 | $255,000 |
$83,000 | $91,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $650,000 |
$325,000 | $350,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
243 | $23,046,000 |
$94,000 | $560,000 |
$71,000 | $500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
251 | $24,085,000 |
$95,000 | $560,000 |
$71,000 | $500,000 |
| 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 |
6 | $350,000 |
$58,000 | $95,000 |
$33,000 | $54,000 |
| Application Denied By Financial Institution |
24 | $1,903,000 |
$79,000 | $222,000 |
$60,000 | $122,000 |
| Application Withdrawn By Applicant |
6 | $1,151,000 |
$191,000 | $350,000 |
$36,000 | $91,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
215 | $20,681,000 |
$96,000 | $560,000 |
$74,000 | $500,000 |
| 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 |
3 | $165,000 |
$55,000 | $120,000 |
$68,000 | $79,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $823,000 |
$91,000 | $175,000 |
$62,000 | $122,000 |
| Debt-To-Income Ratio |
12 | $915,000 |
$76,000 | $222,000 |
$57,000 | $108,000 |
| 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 ATHOL SAVINGS BANK by:
Metropolitan Area And
County
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