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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 Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 201 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $34,215,000 |
| Average Mortgage Loan Amount Applied For | $267,000 |
| Highest Mortgage Loan Amount Applied For | $1,080,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $912,000 |
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| Home Improvement |
45 | $3,533,000 |
$78,000 | $350,000 |
$76,000 | $225,000 |
| Home Purchase |
87 | $22,166,000 |
$254,000 | $1,080,000 |
$111,000 | $912,000 |
| Refinancing |
69 | $8,516,000 |
$123,000 | $330,000 |
$78,000 | $298,000 |
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| American Indian or Alaskan Native |
1 | $40,000 |
$40,000 | $40,000 |
$92,000 | $92,000 |
| Asian |
3 | $636,000 |
$212,000 | $243,000 |
$99,000 | $126,000 |
| Black or African American |
1 | $50,000 |
$50,000 | $50,000 |
$51,000 | $51,000 |
| Hispanic |
4 | $935,000 |
$233,000 | $394,000 |
$94,000 | $167,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $10,000 |
$10,000 | $10,000 |
$37,000 | $37,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
191 | $32,544,000 |
$170,000 | $1,080,000 |
$92,000 | $912,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
201 | $34,215,000 |
$170,000 | $1,080,000 |
$92,000 | $912,000 |
| 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 | $364,000 |
$364,000 | $364,000 |
$154,000 | $154,000 |
| Application Denied By Financial Institution |
6 | $983,000 |
$163,000 | $280,000 |
$46,000 | $83,000 |
| Application Withdrawn By Applicant |
10 | $2,862,000 |
$286,000 | $850,000 |
$161,000 | $912,000 |
| File Closed For Incompleteness |
2 | $95,000 |
$47,000 | $80,000 |
$40,000 | $44,000 |
| Loan Originated |
182 | $29,911,000 |
$164,000 | $1,080,000 |
$90,000 | $560,000 |
| 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 |
4 | $513,000 |
$128,000 | $188,000 |
$55,000 | $83,000 |
| Debt-To-Income Ratio |
2 | $470,000 |
$235,000 | $280,000 |
$28,000 | $40,000 |
| 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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