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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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ST MARYS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ST MARYS BANK |
| Address | 200 BEDFORD ST
MANCHESTER, NH 03101 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,594 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $173,821,000 |
| Average Mortgage Loan Amount Applied For | $96,700 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $70,100 |
| Highest Applicant Income | $962,000 |
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| Home Improvement |
392 | $11,412,000 |
$29,000 | $250,000 |
$96,000 | $962,000 |
| Home Purchase |
1,082 | $167,426,000 |
$154,000 | $704,000 |
$58,000 | $404,000 |
| Refinancing |
578 | $75,635,000 |
$130,000 | $1,000,000 |
$75,000 | $850,000 |
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| American Indian or Alaskan Native |
9 | $701,000 |
$77,000 | $156,000 |
$49,000 | $136,000 |
| Asian |
19 | $3,387,000 |
$178,000 | $704,000 |
$124,000 | $438,000 |
| Black or African American |
41 | $6,251,000 |
$152,000 | $310,000 |
$60,000 | $230,000 |
| Hispanic |
75 | $10,568,000 |
$140,000 | $328,000 |
$49,000 | $166,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
198 | $16,032,000 |
$80,000 | $372,000 |
$84,000 | $850,000 |
| White |
1,710 | $217,534,000 |
$127,000 | $1,000,000 |
$69,000 | $962,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,005 | $244,014,000 |
$121,000 | $1,000,000 |
$70,000 | $962,000 |
| FHA-insured (Federal Housing Administration) |
22 | $4,518,000 |
$205,000 | $326,000 |
$74,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
25 | $5,941,000 |
$237,000 | $372,000 |
$72,000 | $294,000 |
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| Application Approved But Not Accepted |
184 | $13,478,000 |
$73,000 | $413,000 |
$71,000 | $575,000 |
| Application Denied By Financial Institution |
252 | $26,069,000 |
$103,000 | $390,000 |
$90,000 | $712,000 |
| Application Withdrawn By Applicant |
199 | $29,481,000 |
$148,000 | $540,000 |
$72,000 | $380,000 |
| File Closed For Incompleteness |
1 | $161,000 |
$161,000 | $161,000 |
$117,000 | $117,000 |
| Loan Originated |
832 | $81,847,000 |
$98,000 | $1,000,000 |
$75,000 | $962,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
428 | $78,479,000 |
$183,000 | $520,000 |
$57,000 | $233,000 |
| Preapproval Denied by Financial Institution |
156 | $24,958,000 |
$159,000 | $460,000 |
$44,000 | $294,000 |
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| Collateral |
12 | $1,286,000 |
$107,000 | $217,000 |
$63,000 | $104,000 |
| Credit Application Incomplete |
7 | $1,327,000 |
$189,000 | $367,000 |
$72,000 | $294,000 |
| Credit History |
244 | $28,601,000 |
$117,000 | $350,000 |
$75,000 | $640,000 |
| Debt-To-Income Ratio |
73 | $11,404,000 |
$156,000 | $379,000 |
$46,000 | $192,000 |
| Employment History |
5 | $950,000 |
$190,000 | $460,000 |
$61,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
27 | $1,423,000 |
$52,000 | $153,000 |
$67,000 | $286,000 |
| Mortgage Insurance Denied |
4 | $1,012,000 |
$253,000 | $390,000 |
$146,000 | $382,000 |
| Other |
25 | $3,252,000 |
$130,000 | $360,000 |
$109,000 | $712,000 |
| Unverifiable Information |
6 | $1,104,000 |
$184,000 | $417,000 |
$142,000 | $404,000 |
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Mortgage Loan App Totals for ST MARYS BANK by:
Metropolitan Area And
County
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