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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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CAPE COD FIVE CENTS SAVING BA
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPE COD FIVE CENTS SAVING BA |
| Address | 19 WEST ROAD, P.O. BOX 10
ORLEANS, MA 02653 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,248 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $326,903,000 |
| Average Mortgage Loan Amount Applied For | $279,142 |
| Highest Mortgage Loan Amount Applied For | $3,900,000 |
| Average Applicant Income | $130,142 |
| Highest Applicant Income | $3,055,000 |
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| Home Improvement |
286 | $44,064,000 |
$154,000 | $1,000,000 |
$88,000 | $1,000,000 |
| Home Purchase |
522 | $184,801,000 |
$354,000 | $3,900,000 |
$165,000 | $3,055,000 |
| Refinancing |
440 | $98,038,000 |
$222,000 | $1,995,000 |
$103,000 | $1,915,000 |
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| American Indian or Alaskan Native |
2 | $186,000 |
$93,000 | $175,000 |
$53,000 | $61,000 |
| Asian |
4 | $1,197,000 |
$299,000 | $510,000 |
$119,000 | $269,000 |
| Black or African American |
11 | $2,299,000 |
$209,000 | $650,000 |
$85,000 | $180,000 |
| Hispanic |
12 | $2,177,000 |
$181,000 | $368,000 |
$83,000 | $256,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $2,177,000 |
$435,000 | $1,240,000 |
$524,000 | $2,100,000 |
| Not Provided |
155 | $45,655,000 |
$294,000 | $1,620,000 |
$155,000 | $1,915,000 |
| White |
1,059 | $273,212,000 |
$257,000 | $3,900,000 |
$121,000 | $3,055,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,248 | $326,903,000 |
$261,000 | $3,900,000 |
$126,000 | $3,055,000 |
| 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 |
39 | $11,723,000 |
$300,000 | $1,760,000 |
$192,000 | $2,100,000 |
| Application Denied By Financial Institution |
34 | $9,666,000 |
$284,000 | $600,000 |
$72,000 | $324,000 |
| Application Withdrawn By Applicant |
10 | $2,992,000 |
$299,000 | $1,000,000 |
$164,000 | $643,000 |
| File Closed For Incompleteness |
6 | $4,072,000 |
$678,000 | $1,995,000 |
$278,000 | $1,212,000 |
| Loan Originated |
1,159 | $298,450,000 |
$257,000 | $3,900,000 |
$124,000 | $3,055,000 |
| 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 |
5 | $1,468,000 |
$293,000 | $436,000 |
$94,000 | $213,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $2,284,000 |
$207,000 | $331,000 |
$79,000 | $141,000 |
| Debt-To-Income Ratio |
16 | $4,839,000 |
$302,000 | $600,000 |
$60,000 | $324,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $500,000 |
$500,000 | $500,000 |
$110,000 | $110,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $575,000 |
$575,000 | $575,000 |
$44,000 | $44,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CAPE COD FIVE CENTS SAVING BA by:
Metropolitan Area And
County
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