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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 | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 353 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $48,397,000 |
| Average Mortgage Loan Amount Applied For | $172,000 |
| Highest Mortgage Loan Amount Applied For | $644,000 |
| Average Applicant Income | $106,166 |
| Highest Applicant Income | $439,000 |
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| Home Improvement |
49 | $2,475,000 |
$50,000 | $145,000 |
$87,000 | $240,000 |
| Home Purchase |
112 | $21,728,000 |
$194,000 | $644,000 |
$96,000 | $439,000 |
| Refinancing |
192 | $24,194,000 |
$126,000 | $455,000 |
$81,000 | $411,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
9 | $1,589,000 |
$176,000 | $330,000 |
$92,000 | $120,000 |
| Black or African American |
1 | $220,000 |
$220,000 | $220,000 |
$175,000 | $175,000 |
| Hispanic |
13 | $1,960,000 |
$150,000 | $362,000 |
$91,000 | $126,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $70,000 |
$35,000 | $50,000 |
$153,000 | $240,000 |
| Not applicable |
1 | $183,000 |
$183,000 | $183,000 |
$89,000 | $89,000 |
| Not Provided |
2 | $155,000 |
$77,000 | $130,000 |
$111,000 | $120,000 |
| White |
325 | $44,220,000 |
$136,000 | $644,000 |
$79,000 | $439,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
353 | $48,397,000 |
$137,000 | $644,000 |
$88,000 | $439,000 |
| 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 |
1 | $130,000 |
$130,000 | $130,000 |
$103,000 | $103,000 |
| Application Denied By Financial Institution |
16 | $1,296,000 |
$81,000 | $160,000 |
$65,000 | $120,000 |
| Application Withdrawn By Applicant |
28 | $3,945,000 |
$140,000 | $384,000 |
$76,000 | $216,000 |
| File Closed For Incompleteness |
16 | $1,736,000 |
$108,000 | $310,000 |
$72,000 | $151,000 |
| Loan Originated |
292 | $41,290,000 |
$141,000 | $644,000 |
$110,000 | $439,000 |
| 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 | $29,000 |
$29,000 | $29,000 |
$119,000 | $119,000 |
| Credit Application Incomplete |
1 | $140,000 |
$140,000 | $140,000 |
$46,000 | $46,000 |
| Credit History |
6 | $536,000 |
$89,000 | $153,000 |
$76,000 | $102,000 |
| Debt-To-Income Ratio |
6 | $423,000 |
$70,000 | $160,000 |
$56,000 | $120,000 |
| Employment History |
1 | $90,000 |
$90,000 | $90,000 |
$46,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $78,000 |
$78,000 | $78,000 |
$31,000 | $31,000 |
| 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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