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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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LAKE SUNAPEE BANK, FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
LAKE SUNAPEE BANK, FSB |
| Address | 9 MAIN STREET
NEWPORT, NH 03773 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 749 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $133,144,000 |
| Average Mortgage Loan Amount Applied For | $203,733 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $91,533 |
| Highest Applicant Income | $609,000 |
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| Home Improvement |
51 | $10,751,000 |
$210,000 | $900,000 |
$88,000 | $370,000 |
| Home Purchase |
322 | $62,464,000 |
$193,000 | $1,200,000 |
$96,000 | $548,000 |
| Refinancing |
376 | $59,929,000 |
$159,000 | $980,000 |
$84,000 | $609,000 |
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| American Indian or Alaskan Native |
3 | $362,000 |
$120,000 | $168,000 |
$83,000 | $127,000 |
| Asian |
4 | $784,000 |
$196,000 | $247,000 |
$77,000 | $104,000 |
| Black or African American |
1 | $175,000 |
$175,000 | $175,000 |
$45,000 | $45,000 |
| Hispanic |
2 | $400,000 |
$200,000 | $350,000 |
$115,000 | $192,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
16 | $2,998,000 |
$187,000 | $529,000 |
$41,000 | $350,000 |
| Not Provided |
85 | $16,229,000 |
$190,000 | $900,000 |
$100,000 | $548,000 |
| White |
638 | $112,196,000 |
$175,000 | $1,200,000 |
$89,000 | $609,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
749 | $133,144,000 |
$177,000 | $1,200,000 |
$89,000 | $609,000 |
| 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 | $2,297,000 |
$382,000 | $823,000 |
$42,000 | $253,000 |
| Application Denied By Financial Institution |
65 | $10,205,000 |
$157,000 | $599,000 |
$60,000 | $213,000 |
| Application Withdrawn By Applicant |
93 | $16,629,000 |
$178,000 | $600,000 |
$79,000 | $460,000 |
| File Closed For Incompleteness |
5 | $1,137,000 |
$227,000 | $388,000 |
$81,000 | $123,000 |
| Loan Originated |
580 | $102,876,000 |
$177,000 | $1,200,000 |
$95,000 | $609,000 |
| 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 |
4 | $498,000 |
$124,000 | $185,000 |
$40,000 | $51,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
23 | $3,090,000 |
$134,000 | $295,000 |
$68,000 | $213,000 |
| Debt-To-Income Ratio |
29 | $5,120,000 |
$176,000 | $599,000 |
$56,000 | $129,000 |
| Employment History |
1 | $40,000 |
$40,000 | $40,000 |
$19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $650,000 |
$325,000 | $500,000 |
$35,000 | $70,000 |
| Mortgage Insurance Denied |
2 | $243,000 |
$121,000 | $163,000 |
$101,000 | $135,000 |
| Other |
3 | $322,000 |
$107,000 | $168,000 |
$77,000 | $83,000 |
| Unverifiable Information |
1 | $242,000 |
$242,000 | $242,000 |
$52,000 | $52,000 |
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Mortgage Loan App Totals for LAKE SUNAPEE BANK, FSB by:
Metropolitan Area And
County
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