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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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PEOPLES TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES TRUST COMPANY |
| Address | P O BOX 320
ST ALBANS, VT 05478 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 270 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,328,000 |
| Average Mortgage Loan Amount Applied For | $79,714 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $60,285 |
| Highest Applicant Income | $637,000 |
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| Home Improvement |
63 | $4,306,000 |
$68,000 | $355,000 |
$59,000 | $490,000 |
| Home Purchase |
111 | $15,195,000 |
$136,000 | $417,000 |
$74,000 | $637,000 |
| Refinancing |
96 | $9,827,000 |
$102,000 | $378,000 |
$54,000 | $392,000 |
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| American Indian or Alaskan Native |
6 | $593,000 |
$98,000 | $252,000 |
$37,000 | $75,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $275,000 |
$275,000 | $275,000 |
$50,000 | $50,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $306,000 |
$102,000 | $152,000 |
$0 | $0 |
| Not Provided |
2 | $112,000 |
$56,000 | $100,000 |
$40,000 | $55,000 |
| White |
258 | $28,042,000 |
$108,000 | $417,000 |
$65,000 | $637,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
270 | $29,328,000 |
$108,000 | $417,000 |
$63,000 | $637,000 |
| 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 |
20 | $2,559,000 |
$127,000 | $294,000 |
$71,000 | $381,000 |
| Application Denied By Financial Institution |
47 | $5,763,000 |
$122,000 | $355,000 |
$42,000 | $120,000 |
| Application Withdrawn By Applicant |
9 | $960,000 |
$106,000 | $240,000 |
$63,000 | $106,000 |
| File Closed For Incompleteness |
2 | $385,000 |
$192,000 | $240,000 |
$39,000 | $41,000 |
| Loan Originated |
192 | $19,661,000 |
$102,000 | $417,000 |
$68,000 | $637,000 |
| 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 |
4 | $614,000 |
$153,000 | $355,000 |
$50,000 | $120,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $1,313,000 |
$101,000 | $205,000 |
$49,000 | $84,000 |
| Debt-To-Income Ratio |
28 | $3,544,000 |
$126,000 | $316,000 |
$38,000 | $85,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $185,000 |
$185,000 | $185,000 |
$61,000 | $61,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $107,000 |
$107,000 | $107,000 |
$46,000 | $46,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PEOPLES TRUST COMPANY by:
Metropolitan Area And
County
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