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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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PENTUCKET BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PENTUCKET BANK |
| Address | ONE MERRIMACK STREET
HAVERHILL, MA 01830 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 335 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $44,302,000 |
| Average Mortgage Loan Amount Applied For | $199,700 |
| Highest Mortgage Loan Amount Applied For | $760,000 |
| Average Applicant Income | $147,100 |
| Highest Applicant Income | $861,000 |
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| Home Improvement |
89 | $5,309,000 |
$59,000 | $304,000 |
$96,000 | $409,000 |
| Home Purchase |
116 | $18,254,000 |
$157,000 | $629,000 |
$95,000 | $861,000 |
| Refinancing |
130 | $20,739,000 |
$159,000 | $760,000 |
$84,000 | $409,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
7 | $1,495,000 |
$213,000 | $414,000 |
$104,000 | $192,000 |
| Black or African American |
3 | $582,000 |
$194,000 | $286,000 |
$56,000 | $69,000 |
| Hispanic |
11 | $1,499,000 |
$136,000 | $500,000 |
$99,000 | $405,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $307,000 |
$307,000 | $307,000 |
$36,000 | $36,000 |
| Not applicable |
1 | $380,000 |
$380,000 | $380,000 |
$0 | $0 |
| Not Provided |
7 | $377,000 |
$53,000 | $150,000 |
$81,000 | $143,000 |
| White |
305 | $39,662,000 |
$130,000 | $760,000 |
$91,000 | $861,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
335 | $44,302,000 |
$132,000 | $760,000 |
$91,000 | $861,000 |
| 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 |
14 | $2,025,000 |
$144,000 | $360,000 |
$124,000 | $351,000 |
| Application Denied By Financial Institution |
43 | $6,362,000 |
$147,000 | $500,000 |
$67,000 | $354,000 |
| Application Withdrawn By Applicant |
19 | $2,613,000 |
$137,000 | $570,000 |
$96,000 | $283,000 |
| File Closed For Incompleteness |
8 | $743,000 |
$92,000 | $200,000 |
$73,000 | $135,000 |
| Loan Originated |
251 | $32,559,000 |
$129,000 | $760,000 |
$93,000 | $861,000 |
| 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 |
10 | $888,000 |
$88,000 | $265,000 |
$119,000 | $354,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $330,000 |
$110,000 | $160,000 |
$76,000 | $118,000 |
| Debt-To-Income Ratio |
28 | $4,598,000 |
$164,000 | $500,000 |
$47,000 | $100,000 |
| 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 |
1 | $305,000 |
$305,000 | $305,000 |
$111,000 | $111,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PENTUCKET BANK by:
Metropolitan Area And
County
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