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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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NORTHFIELD SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTHFIELD SAVINGS BANK |
| Address | 33 SOUTH MAIN ST PO BOX 347
NORTHFIELD, VT 05663 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 842 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $100,995,000 |
| Average Mortgage Loan Amount Applied For | $121,846 |
| Highest Mortgage Loan Amount Applied For | $1,097,000 |
| Average Applicant Income | $83,615 |
| Highest Applicant Income | $731,000 |
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| Home Improvement |
233 | $16,637,000 |
$71,000 | $650,000 |
$73,000 | $598,000 |
| Home Purchase |
336 | $58,521,000 |
$174,000 | $1,097,000 |
$86,000 | $731,000 |
| Refinancing |
273 | $25,837,000 |
$94,000 | $370,000 |
$71,000 | $651,000 |
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| American Indian or Alaskan Native |
5 | $549,000 |
$109,000 | $178,000 |
$47,000 | $62,000 |
| Asian |
5 | $746,000 |
$149,000 | $430,000 |
$48,000 | $125,000 |
| Black or African American |
1 | $110,000 |
$110,000 | $110,000 |
$37,000 | $37,000 |
| Hispanic |
2 | $404,000 |
$202,000 | $304,000 |
$100,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
17 | $4,916,000 |
$289,000 | $775,000 |
$0 | $0 |
| Not Provided |
13 | $2,191,000 |
$168,000 | $525,000 |
$142,000 | $350,000 |
| White |
799 | $92,079,000 |
$115,000 | $1,097,000 |
$78,000 | $731,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
842 | $100,995,000 |
$119,000 | $1,097,000 |
$77,000 | $731,000 |
| 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 |
80 | $11,083,000 |
$138,000 | $525,000 |
$75,000 | $350,000 |
| Application Denied By Financial Institution |
107 | $15,364,000 |
$143,000 | $1,097,000 |
$47,000 | $175,000 |
| Application Withdrawn By Applicant |
7 | $829,000 |
$118,000 | $192,000 |
$57,000 | $86,000 |
| File Closed For Incompleteness |
11 | $957,000 |
$87,000 | $200,000 |
$53,000 | $200,000 |
| Loan Originated |
637 | $72,762,000 |
$114,000 | $862,000 |
$83,000 | $731,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 NORTHFIELD SAVINGS BANK by:
Metropolitan Area And
County
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