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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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UNION SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNION SAVINGS BANK |
| Address | 226 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 | 553 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $167,485,000 |
| Average Mortgage Loan Amount Applied For | $334,400 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $201,900 |
| Highest Applicant Income | $999,000 |
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| Home Improvement |
79 | $22,045,000 |
$279,000 | $1,000,000 |
$102,000 | $696,000 |
| Home Purchase |
331 | $102,753,000 |
$310,000 | $1,000,000 |
$117,000 | $999,000 |
| Refinancing |
143 | $42,687,000 |
$298,000 | $1,000,000 |
$99,000 | $414,000 |
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| American Indian or Alaskan Native |
1 | $600,000 |
$600,000 | $600,000 |
$139,000 | $139,000 |
| Asian |
29 | $9,658,000 |
$333,000 | $800,000 |
$111,000 | $345,000 |
| Black or African American |
10 | $3,298,000 |
$329,000 | $546,000 |
$120,000 | $234,000 |
| Hispanic |
56 | $14,790,000 |
$264,000 | $472,000 |
$67,000 | $231,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $10,000 |
$10,000 | $10,000 |
$17,000 | $17,000 |
| Not applicable |
17 | $6,071,000 |
$357,000 | $680,000 |
$43,000 | $398,000 |
| Not Provided |
31 | $10,192,000 |
$328,000 | $999,000 |
$126,000 | $720,000 |
| White |
408 | $122,866,000 |
$301,000 | $1,000,000 |
$117,000 | $999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
553 | $167,485,000 |
$302,000 | $1,000,000 |
$110,000 | $999,000 |
| 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 |
13 | $5,330,000 |
$410,000 | $1,000,000 |
$156,000 | $689,000 |
| Application Denied By Financial Institution |
36 | $11,780,000 |
$327,000 | $855,000 |
$87,000 | $300,000 |
| Application Withdrawn By Applicant |
43 | $11,277,000 |
$262,000 | $800,000 |
$108,000 | $475,000 |
| File Closed For Incompleteness |
8 | $2,222,000 |
$277,000 | $402,000 |
$81,000 | $238,000 |
| Loan Originated |
453 | $136,876,000 |
$302,000 | $1,000,000 |
$111,000 | $999,000 |
| 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 |
8 | $3,741,000 |
$467,000 | $855,000 |
$101,000 | $153,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $3,625,000 |
$329,000 | $786,000 |
$104,000 | $300,000 |
| Debt-To-Income Ratio |
8 | $2,584,000 |
$323,000 | $550,000 |
$59,000 | $100,000 |
| 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 |
9 | $1,830,000 |
$203,000 | $389,000 |
$77,000 | $120,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNION SAVINGS BANK by:
Metropolitan Area And
County
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