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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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RANDOLPH SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
RANDOLPH SAVINGS BANK |
| Address | 10 CABOT PLACE
STOUGHTON, MA 02072 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 209 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,633,000 |
| Average Mortgage Loan Amount Applied For | $174,636 |
| Highest Mortgage Loan Amount Applied For | $968,000 |
| Average Applicant Income | $95,545 |
| Highest Applicant Income | $435,000 |
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| Home Improvement |
45 | $4,353,000 |
$96,000 | $650,000 |
$89,000 | $435,000 |
| Home Purchase |
64 | $15,354,000 |
$239,000 | $900,000 |
$78,000 | $245,000 |
| Refinancing |
100 | $17,926,000 |
$179,000 | $968,000 |
$75,000 | $228,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $1,030,000 |
$343,000 | $650,000 |
$190,000 | $435,000 |
| Black or African American |
16 | $3,286,000 |
$205,000 | $518,000 |
$80,000 | $153,000 |
| Hispanic |
5 | $955,000 |
$191,000 | $295,000 |
$58,000 | $102,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $645,000 |
$322,000 | $425,000 |
$36,000 | $73,000 |
| Not Provided |
18 | $2,786,000 |
$154,000 | $509,000 |
$79,000 | $192,000 |
| White |
165 | $28,931,000 |
$175,000 | $968,000 |
$78,000 | $245,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
209 | $37,633,000 |
$180,000 | $968,000 |
$79,000 | $435,000 |
| 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 |
17 | $3,555,000 |
$209,000 | $400,000 |
$91,000 | $186,000 |
| Application Denied By Financial Institution |
17 | $3,352,000 |
$197,000 | $600,000 |
$49,000 | $153,000 |
| Application Withdrawn By Applicant |
12 | $3,050,000 |
$254,000 | $968,000 |
$95,000 | $206,000 |
| File Closed For Incompleteness |
5 | $1,347,000 |
$269,000 | $650,000 |
$152,000 | $435,000 |
| Loan Originated |
158 | $26,329,000 |
$166,000 | $910,000 |
$77,000 | $245,000 |
| 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 |
5 | $1,065,000 |
$213,000 | $518,000 |
$73,000 | $153,000 |
| Debt-To-Income Ratio |
9 | $1,977,000 |
$219,000 | $600,000 |
$22,000 | $44,000 |
| 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 | $60,000 |
$60,000 | $60,000 |
$149,000 | $149,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for RANDOLPH SAVINGS BANK by:
Metropolitan Area And
County
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