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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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NORTHAMPTON CO-OPERATIVE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTHAMPTON CO-OPERATIVE BANK |
| Address | 67 KING STREET
NORTHAMPTON, MA 01060 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 140 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,519,000 |
| Average Mortgage Loan Amount Applied For | $168,666 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $449,000 |
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| Home Improvement |
22 | $2,374,000 |
$107,000 | $300,000 |
$64,000 | $198,000 |
| Home Purchase |
52 | $10,840,000 |
$208,000 | $500,000 |
$88,000 | $402,000 |
| Refinancing |
66 | $11,305,000 |
$171,000 | $450,000 |
$87,000 | $449,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $219,000 |
$219,000 | $219,000 |
$53,000 | $53,000 |
| Black or African American |
1 | $157,000 |
$157,000 | $157,000 |
$72,000 | $72,000 |
| Hispanic |
1 | $105,000 |
$105,000 | $105,000 |
$32,000 | $32,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
137 | $24,038,000 |
$175,000 | $500,000 |
$86,000 | $449,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
140 | $24,519,000 |
$175,000 | $500,000 |
$82,000 | $449,000 |
| 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 |
3 | $842,000 |
$280,000 | $451,000 |
$81,000 | $145,000 |
| Application Denied By Financial Institution |
10 | $1,878,000 |
$187,000 | $375,000 |
$62,000 | $138,000 |
| Application Withdrawn By Applicant |
7 | $1,676,000 |
$239,000 | $500,000 |
$117,000 | $402,000 |
| File Closed For Incompleteness |
2 | $335,000 |
$167,000 | $187,000 |
$43,000 | $86,000 |
| Loan Originated |
118 | $19,788,000 |
$167,000 | $450,000 |
$81,000 | $449,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $414,000 |
$138,000 | $189,000 |
$72,000 | $107,000 |
| Debt-To-Income Ratio |
7 | $1,464,000 |
$209,000 | $375,000 |
$52,000 | $138,000 |
| 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 NORTHAMPTON CO-OPERATIVE BANK by:
Metropolitan Area And
County
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