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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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1ST NATIONAL COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST NATIONAL COMMUNITY BANK |
| Address | 16924 ST CLAIR AVE PO BOX 796
EAST LIVERPOOL, OH 43920 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 162 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $8,008,000 |
| Average Mortgage Loan Amount Applied For | $53,142 |
| Highest Mortgage Loan Amount Applied For | $255,000 |
| Average Applicant Income | $59,571 |
| Highest Applicant Income | $325,000 |
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| Home Improvement |
39 | $428,000 |
$10,000 | $50,000 |
$44,000 | $94,000 |
| Home Purchase |
48 | $2,521,000 |
$52,000 | $150,000 |
$43,000 | $161,000 |
| Refinancing |
83 | $5,622,000 |
$67,000 | $255,000 |
$55,000 | $325,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $214,000 |
$71,000 | $95,000 |
$54,000 | $71,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
167 | $8,357,000 |
$50,000 | $255,000 |
$49,000 | $325,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
170 | $8,571,000 |
$50,000 | $255,000 |
$49,000 | $325,000 |
| 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 |
1 | $23,000 |
$23,000 | $23,000 |
$94,000 | $94,000 |
| Application Denied By Financial Institution |
36 | $1,690,000 |
$46,000 | $149,000 |
$36,000 | $81,000 |
| Application Withdrawn By Applicant |
16 | $796,000 |
$49,000 | $128,000 |
$38,000 | $85,000 |
| File Closed For Incompleteness |
1 | $98,000 |
$98,000 | $98,000 |
$46,000 | $46,000 |
| Loan Originated |
112 | $5,724,000 |
$51,000 | $255,000 |
$55,000 | $325,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $152,000 |
$76,000 | $100,000 |
$44,000 | $63,000 |
| Preapproval Denied by Financial Institution |
2 | $88,000 |
$44,000 | $55,000 |
$25,000 | $39,000 |
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| Collateral |
6 | $382,000 |
$63,000 | $119,000 |
$34,000 | $61,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $504,000 |
$29,000 | $88,000 |
$30,000 | $81,000 |
| Debt-To-Income Ratio |
10 | $685,000 |
$68,000 | $149,000 |
$40,000 | $70,000 |
| Employment History |
2 | $14,000 |
$7,000 | $8,000 |
$46,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $113,000 |
$113,000 | $113,000 |
$40,000 | $40,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
2 | $80,000 |
$40,000 | $65,000 |
$50,000 | $79,000 |
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Mortgage Loan App Totals for 1ST NATIONAL COMMUNITY BANK by:
Metropolitan Area And
County
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