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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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THOMASTON SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THOMASTON SAVINGS BANK |
| Address | 140 MAIN STREET
THOMASTON, CT 06787 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 332 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $52,467,000 |
| Average Mortgage Loan Amount Applied For | $194,250 |
| Highest Mortgage Loan Amount Applied For | $775,000 |
| Average Applicant Income | $70,250 |
| Highest Applicant Income | $482,000 |
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| Home Improvement |
76 | $5,107,000 |
$67,000 | $300,000 |
$74,000 | $230,000 |
| Home Purchase |
179 | $34,735,000 |
$194,000 | $775,000 |
$69,000 | $482,000 |
| Refinancing |
99 | $16,846,000 |
$170,000 | $542,000 |
$72,000 | $215,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $200,000 |
$200,000 | $200,000 |
$40,000 | $40,000 |
| Black or African American |
7 | $1,090,000 |
$155,000 | $284,000 |
$57,000 | $97,000 |
| Hispanic |
7 | $1,246,000 |
$178,000 | $364,000 |
$95,000 | $156,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
18 | $5,695,000 |
$316,000 | $775,000 |
$0 | $0 |
| Not Provided |
3 | $862,000 |
$287,000 | $340,000 |
$67,000 | $68,000 |
| White |
318 | $47,595,000 |
$149,000 | $530,000 |
$75,000 | $482,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
335 | $53,694,000 |
$160,000 | $775,000 |
$72,000 | $482,000 |
| FHA-insured (Federal Housing Administration) |
19 | $2,994,000 |
$157,000 | $220,000 |
$58,000 | $97,000 |
| 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 |
11 | $2,261,000 |
$205,000 | $417,000 |
$87,000 | $297,000 |
| Application Denied By Financial Institution |
32 | $5,647,000 |
$176,000 | $401,000 |
$59,000 | $150,000 |
| Application Withdrawn By Applicant |
19 | $2,493,000 |
$131,000 | $250,000 |
$63,000 | $128,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
276 | $43,264,000 |
$156,000 | $775,000 |
$73,000 | $482,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $387,000 |
$193,000 | $240,000 |
$101,000 | $117,000 |
| Preapproval Denied by Financial Institution |
14 | $2,636,000 |
$188,000 | $340,000 |
$60,000 | $118,000 |
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| Collateral |
2 | $421,000 |
$210,000 | $401,000 |
$87,000 | $110,000 |
| Credit Application Incomplete |
19 | $3,544,000 |
$186,000 | $340,000 |
$62,000 | $135,000 |
| Credit History |
14 | $2,513,000 |
$179,000 | $250,000 |
$64,000 | $150,000 |
| Debt-To-Income Ratio |
6 | $812,000 |
$135,000 | $240,000 |
$35,000 | $69,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $190,000 |
$190,000 | $190,000 |
$77,000 | $77,000 |
| Mortgage Insurance Denied |
2 | $439,000 |
$219,000 | $250,000 |
$52,000 | $59,000 |
| Other |
2 | $364,000 |
$182,000 | $212,000 |
$56,000 | $68,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THOMASTON SAVINGS BANK by:
Metropolitan Area And
County
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