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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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ADAMS COUNTY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ADAMS COUNTY NATIONAL BANK |
| Address | LOAN SERVICES P.O. BOX 3129
GETTYSBURG, PA 17325 |
| 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 | 526 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $62,773,000 |
| Average Mortgage Loan Amount Applied For | $118,900 |
| Highest Mortgage Loan Amount Applied For | $660,000 |
| Average Applicant Income | $67,800 |
| Highest Applicant Income | $524,000 |
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| Home Improvement |
113 | $6,362,000 |
$56,000 | $420,000 |
$62,000 | $220,000 |
| Home Purchase |
244 | $38,299,000 |
$156,000 | $660,000 |
$72,000 | $524,000 |
| Refinancing |
169 | $18,112,000 |
$107,000 | $620,000 |
$57,000 | $303,000 |
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| American Indian or Alaskan Native |
1 | $50,000 |
$50,000 | $50,000 |
$72,000 | $72,000 |
| Asian |
3 | $172,000 |
$57,000 | $70,000 |
$35,000 | $88,000 |
| Black or African American |
1 | $55,000 |
$55,000 | $55,000 |
$83,000 | $83,000 |
| Hispanic |
13 | $1,628,000 |
$125,000 | $352,000 |
$41,000 | $82,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $176,000 |
$176,000 | $176,000 |
$107,000 | $107,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
507 | $60,692,000 |
$119,000 | $660,000 |
$66,000 | $524,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
525 | $62,536,000 |
$119,000 | $660,000 |
$65,000 | $524,000 |
| FHA-insured (Federal Housing Administration) |
1 | $237,000 |
$237,000 | $237,000 |
$72,000 | $72,000 |
| 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 |
7 | $1,228,000 |
$175,000 | $352,000 |
$61,000 | $128,000 |
| Application Denied By Financial Institution |
35 | $4,076,000 |
$116,000 | $600,000 |
$52,000 | $165,000 |
| Application Withdrawn By Applicant |
36 | $4,494,000 |
$124,000 | $420,000 |
$72,000 | $173,000 |
| File Closed For Incompleteness |
1 | $44,000 |
$44,000 | $44,000 |
$24,000 | $24,000 |
| Loan Originated |
447 | $52,931,000 |
$118,000 | $660,000 |
$66,000 | $524,000 |
| 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 |
12 | $1,552,000 |
$129,000 | $600,000 |
$70,000 | $165,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $737,000 |
$92,000 | $280,000 |
$48,000 | $77,000 |
| Debt-To-Income Ratio |
12 | $1,572,000 |
$131,000 | $315,000 |
$45,000 | $65,000 |
| Employment History |
1 | $50,000 |
$50,000 | $50,000 |
$33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $105,000 |
$105,000 | $105,000 |
$17,000 | $17,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $60,000 |
$60,000 | $60,000 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ADAMS COUNTY NATIONAL BANK by:
Metropolitan Area And
County
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