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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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NATICK FEDERAL SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATICK FEDERAL SAVINGS BANK |
| Address | 49 MAIN STREET
NATICK, MA 01760 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 167 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,787,000 |
| Average Mortgage Loan Amount Applied For | $145,000 |
| Highest Mortgage Loan Amount Applied For | $726,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $1,111,000 |
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| Home Improvement |
32 | $2,905,000 |
$90,000 | $565,000 |
$105,000 | $350,000 |
| Home Purchase |
23 | $7,233,000 |
$314,000 | $726,000 |
$127,000 | $402,000 |
| Refinancing |
112 | $18,649,000 |
$166,000 | $640,000 |
$110,000 | $1,111,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
5 | $888,000 |
$177,000 | $338,000 |
$94,000 | $146,000 |
| Black or African American |
3 | $1,526,000 |
$508,000 | $726,000 |
$289,000 | $402,000 |
| Hispanic |
4 | $318,000 |
$79,000 | $125,000 |
$73,000 | $169,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
15 | $2,866,000 |
$191,000 | $565,000 |
$113,000 | $175,000 |
| White |
140 | $23,189,000 |
$165,000 | $640,000 |
$109,000 | $1,111,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
167 | $28,787,000 |
$172,000 | $726,000 |
$111,000 | $1,111,000 |
| 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 | $882,000 |
$147,000 | $510,000 |
$78,000 | $129,000 |
| Application Denied By Financial Institution |
10 | $2,572,000 |
$257,000 | $565,000 |
$71,000 | $155,000 |
| Application Withdrawn By Applicant |
7 | $1,314,000 |
$187,000 | $600,000 |
$98,000 | $281,000 |
| File Closed For Incompleteness |
3 | $731,000 |
$243,000 | $636,000 |
$265,000 | $624,000 |
| Loan Originated |
141 | $23,288,000 |
$165,000 | $726,000 |
$113,000 | $1,111,000 |
| 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 |
2 | $140,000 |
$70,000 | $80,000 |
$87,000 | $133,000 |
| Credit Application Incomplete |
1 | $565,000 |
$565,000 | $565,000 |
$155,000 | $155,000 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
7 | $1,867,000 |
$266,000 | $460,000 |
$54,000 | $71,000 |
| 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 NATICK FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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