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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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UNIBANK FOR SAVINGS
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNIBANK FOR SAVINGS |
| Address | 49 CHURCH STREET
WHITINSVILLE, MA 01588 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 378 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $65,533,000 |
| Average Mortgage Loan Amount Applied For | $136,240 |
| Highest Mortgage Loan Amount Applied For | $1,355,000 |
| Average Applicant Income | $94,480 |
| Highest Applicant Income | $1,344,000 |
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| Home Improvement |
31 | $4,377,000 |
$141,000 | $545,000 |
$91,000 | $762,000 |
| Home Purchase |
175 | $34,027,000 |
$194,000 | $1,200,000 |
$103,000 | $1,344,000 |
| Refinancing |
172 | $27,129,000 |
$157,000 | $1,355,000 |
$97,000 | $1,344,000 |
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| American Indian or Alaskan Native |
4 | $427,000 |
$106,000 | $189,000 |
$69,000 | $102,000 |
| Asian |
1 | $248,000 |
$248,000 | $248,000 |
$141,000 | $141,000 |
| Black or African American |
3 | $664,000 |
$221,000 | $496,000 |
$51,000 | $81,000 |
| Hispanic |
4 | $410,000 |
$102,000 | $250,000 |
$59,000 | $76,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $280,000 |
$280,000 | $280,000 |
$762,000 | $762,000 |
| Not Provided |
31 | $4,853,000 |
$156,000 | $508,000 |
$129,000 | $1,236,000 |
| White |
334 | $58,651,000 |
$175,000 | $1,355,000 |
$96,000 | $1,344,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
378 | $65,533,000 |
$173,000 | $1,355,000 |
$99,000 | $1,344,000 |
| 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 |
23 | $2,235,000 |
$97,000 | $400,000 |
$64,000 | $125,000 |
| Application Denied By Financial Institution |
13 | $1,259,000 |
$96,000 | $196,000 |
$51,000 | $95,000 |
| Application Withdrawn By Applicant |
32 | $5,673,000 |
$177,000 | $617,000 |
$79,000 | $199,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
310 | $56,366,000 |
$181,000 | $1,355,000 |
$106,000 | $1,344,000 |
| 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 |
1 | $26,000 |
$26,000 | $26,000 |
$95,000 | $95,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $470,000 |
$117,000 | $196,000 |
$57,000 | $71,000 |
| Debt-To-Income Ratio |
8 | $763,000 |
$95,000 | $140,000 |
$42,000 | $66,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNIBANK FOR SAVINGS by:
Metropolitan Area And
County
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