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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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NAUGATUCK VALLEY S&L
Mortgage Loans and Application Details
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| Mortgage Company Name |
NAUGATUCK VALLEY S&L |
| Address | 333 CHURCH STREET
NAUGATUCK, CT 06770 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 320 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $50,526,000 |
| Average Mortgage Loan Amount Applied For | $180,200 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $109,800 |
| Highest Applicant Income | $650,000 |
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| Home Improvement |
99 | $4,945,000 |
$49,000 | $290,000 |
$92,000 | $250,000 |
| Home Purchase |
175 | $36,856,000 |
$210,000 | $1,000,000 |
$99,000 | $650,000 |
| Refinancing |
46 | $8,725,000 |
$189,000 | $480,000 |
$102,000 | $288,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
11 | $3,149,000 |
$286,000 | $412,000 |
$119,000 | $185,000 |
| Black or African American |
3 | $443,000 |
$147,000 | $200,000 |
$67,000 | $84,000 |
| Hispanic |
10 | $1,430,000 |
$143,000 | $293,000 |
$66,000 | $105,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $295,000 |
$147,000 | $150,000 |
$57,000 | $62,000 |
| White |
294 | $45,209,000 |
$153,000 | $1,000,000 |
$98,000 | $650,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
317 | $50,081,000 |
$157,000 | $1,000,000 |
$98,000 | $650,000 |
| FHA-insured (Federal Housing Administration) |
2 | $207,000 |
$103,000 | $128,000 |
$42,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $238,000 |
$238,000 | $238,000 |
$92,000 | $92,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
26 | $3,005,000 |
$115,000 | $430,000 |
$62,000 | $157,000 |
| Application Withdrawn By Applicant |
19 | $2,835,000 |
$149,000 | $282,000 |
$95,000 | $288,000 |
| File Closed For Incompleteness |
10 | $562,000 |
$56,000 | $125,000 |
$115,000 | $250,000 |
| Loan Originated |
265 | $44,124,000 |
$166,000 | $1,000,000 |
$100,000 | $650,000 |
| 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 |
1 | $60,000 |
$60,000 | $60,000 |
$64,000 | $64,000 |
| Credit Application Incomplete |
1 | $30,000 |
$30,000 | $30,000 |
$71,000 | $71,000 |
| Credit History |
12 | $1,194,000 |
$99,000 | $430,000 |
$63,000 | $157,000 |
| Debt-To-Income Ratio |
11 | $1,596,000 |
$145,000 | $428,000 |
$59,000 | $157,000 |
| Employment History |
1 | $125,000 |
$125,000 | $125,000 |
$61,000 | $61,000 |
| 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 NAUGATUCK VALLEY S&L by:
Metropolitan Area And
County
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