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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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NORTH EASTON SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH EASTON SAVINGS BANK |
| Address | 229 MAIN STREET
NORTH EASTON, MA 02356 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 241 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $41,966,000 |
| Average Mortgage Loan Amount Applied For | $248,400 |
| Highest Mortgage Loan Amount Applied For | $1,700,000 |
| Average Applicant Income | $112,200 |
| Highest Applicant Income | $709,000 |
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| Home Improvement |
59 | $5,913,000 |
$100,000 | $698,000 |
$96,000 | $425,000 |
| Home Purchase |
96 | $28,269,000 |
$294,000 | $1,700,000 |
$86,000 | $631,000 |
| Refinancing |
120 | $16,622,000 |
$138,000 | $750,000 |
$96,000 | $709,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $867,000 |
$433,000 | $450,000 |
$98,000 | $99,000 |
| Black or African American |
5 | $997,000 |
$199,000 | $503,000 |
$122,000 | $164,000 |
| Hispanic |
6 | $1,345,000 |
$224,000 | $750,000 |
$85,000 | $167,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
12 | $5,319,000 |
$443,000 | $1,700,000 |
$14,000 | $132,000 |
| Not Provided |
5 | $931,000 |
$186,000 | $336,000 |
$62,000 | $175,000 |
| White |
245 | $41,345,000 |
$168,000 | $1,000,000 |
$96,000 | $709,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
275 | $50,804,000 |
$184,000 | $1,700,000 |
$92,000 | $709,000 |
| 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 |
10 | $513,000 |
$51,000 | $150,000 |
$79,000 | $119,000 |
| Application Denied By Financial Institution |
32 | $7,136,000 |
$223,000 | $750,000 |
$74,000 | $185,000 |
| Application Withdrawn By Applicant |
16 | $2,719,000 |
$169,000 | $775,000 |
$92,000 | $195,000 |
| File Closed For Incompleteness |
8 | $1,439,000 |
$179,000 | $340,000 |
$47,000 | $90,000 |
| Loan Originated |
179 | $30,780,000 |
$171,000 | $1,700,000 |
$102,000 | $709,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
16 | $4,985,000 |
$311,000 | $803,000 |
$89,000 | $170,000 |
| Preapproval Denied by Financial Institution |
14 | $3,232,000 |
$230,000 | $418,000 |
$51,000 | $100,000 |
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| Collateral |
4 | $164,000 |
$41,000 | $70,000 |
$103,000 | $144,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $1,678,000 |
$186,000 | $425,000 |
$63,000 | $100,000 |
| Debt-To-Income Ratio |
27 | $7,411,000 |
$274,000 | $750,000 |
$61,000 | $185,000 |
| 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 |
5 | $1,055,000 |
$211,000 | $450,000 |
$89,000 | $131,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NORTH EASTON SAVINGS BANK by:
Metropolitan Area And
County
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