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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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SAVINGS BANK OF DANBURY
Mortgage Loans and Application Details
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| Mortgage Company Name |
SAVINGS BANK OF DANBURY |
| Address | 220 MAIN STREET
DANBURY, CT 06810 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 238 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $71,549,000 |
| Average Mortgage Loan Amount Applied For | $307,750 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $123,500 |
| Highest Applicant Income | $1,601,000 |
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| Home Improvement |
9 | $610,000 |
$67,000 | $230,000 |
$76,000 | $108,000 |
| Home Purchase |
120 | $36,739,000 |
$306,000 | $1,800,000 |
$116,000 | $800,000 |
| Refinancing |
109 | $34,200,000 |
$313,000 | $2,000,000 |
$173,000 | $1,601,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
5 | $594,000 |
$118,000 | $190,000 |
$66,000 | $87,000 |
| Black or African American |
4 | $815,000 |
$203,000 | $272,000 |
$70,000 | $88,000 |
| Hispanic |
8 | $2,363,000 |
$295,000 | $560,000 |
$98,000 | $283,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $4,042,000 |
$673,000 | $1,800,000 |
$176,000 | $607,000 |
| Not Provided |
2 | $675,000 |
$337,000 | $475,000 |
$147,000 | $243,000 |
| White |
213 | $63,060,000 |
$296,000 | $2,000,000 |
$144,000 | $1,601,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
238 | $71,549,000 |
$300,000 | $2,000,000 |
$140,000 | $1,601,000 |
| 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 |
7 | $1,620,000 |
$231,000 | $648,000 |
$91,000 | $226,000 |
| Application Denied By Financial Institution |
16 | $4,438,000 |
$277,000 | $1,200,000 |
$109,000 | $493,000 |
| Application Withdrawn By Applicant |
6 | $3,987,000 |
$664,000 | $1,500,000 |
$198,000 | $536,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
209 | $61,504,000 |
$294,000 | $2,000,000 |
$143,000 | $1,601,000 |
| 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 |
5 | $1,223,000 |
$244,000 | $410,000 |
$208,000 | $493,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $1,226,000 |
$175,000 | $311,000 |
$53,000 | $90,000 |
| Debt-To-Income Ratio |
3 | $1,901,000 |
$633,000 | $1,200,000 |
$102,000 | $164,000 |
| 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 | $88,000 |
$88,000 | $88,000 |
$29,000 | $29,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SAVINGS BANK OF DANBURY by:
Metropolitan Area And
County
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