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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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AMERICAN HOME BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN HOME BANK, N.A. |
| Address | 3840 HEMPLAND ROAD
MOUNTVILLE, PA 17554 |
| 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 | 3,346 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $717,061,000 |
| Average Mortgage Loan Amount Applied For | $241,919 |
| Highest Mortgage Loan Amount Applied For | $1,270,000 |
| Average Applicant Income | $108,503 |
| Highest Applicant Income | $2,290,000 |
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| Home Improvement |
28 | $5,241,000 |
$187,000 | $785,000 |
$92,000 | $232,000 |
| Home Purchase |
2,852 | $609,570,000 |
$213,000 | $1,270,000 |
$98,000 | $2,290,000 |
| Refinancing |
466 | $102,250,000 |
$219,000 | $1,229,000 |
$100,000 | $1,839,000 |
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| American Indian or Alaskan Native |
4 | $972,000 |
$243,000 | $293,000 |
$71,000 | $93,000 |
| Asian |
118 | $26,960,000 |
$228,000 | $1,190,000 |
$89,000 | $306,000 |
| Black or African American |
234 | $52,462,000 |
$224,000 | $693,000 |
$85,000 | $408,000 |
| Hispanic |
213 | $38,650,000 |
$181,000 | $610,000 |
$62,000 | $375,000 |
| Native Hawaiin or Other Pacific Islander |
15 | $3,150,000 |
$210,000 | $483,000 |
$69,000 | $178,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
99 | $22,339,000 |
$225,000 | $975,000 |
$131,000 | $2,290,000 |
| White |
2,663 | $572,528,000 |
$214,000 | $1,270,000 |
$101,000 | $1,839,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,106 | $673,929,000 |
$216,000 | $1,270,000 |
$101,000 | $2,290,000 |
| FHA-insured (Federal Housing Administration) |
174 | $28,038,000 |
$161,000 | $283,000 |
$58,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
66 | $15,094,000 |
$228,000 | $416,000 |
$71,000 | $183,000 |
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| Application Approved But Not Accepted |
465 | $106,527,000 |
$229,000 | $693,000 |
$94,000 | $435,000 |
| Application Denied By Financial Institution |
252 | $62,540,000 |
$248,000 | $1,080,000 |
$98,000 | $576,000 |
| Application Withdrawn By Applicant |
39 | $5,731,000 |
$146,000 | $417,000 |
$93,000 | $250,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
2,590 | $542,263,000 |
$209,000 | $1,270,000 |
$98,000 | $2,290,000 |
| 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 |
37 | $9,010,000 |
$243,000 | $620,000 |
$97,000 | $240,000 |
| Credit Application Incomplete |
16 | $3,731,000 |
$233,000 | $417,000 |
$90,000 | $230,000 |
| Credit History |
57 | $12,277,000 |
$215,000 | $595,000 |
$90,000 | $576,000 |
| Debt-To-Income Ratio |
77 | $21,431,000 |
$278,000 | $650,000 |
$81,000 | $216,000 |
| Employment History |
7 | $1,133,000 |
$161,000 | $417,000 |
$40,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
10 | $3,879,000 |
$387,000 | $1,080,000 |
$217,000 | $500,000 |
| Mortgage Insurance Denied |
1 | $144,000 |
$144,000 | $144,000 |
$113,000 | $113,000 |
| Other |
42 | $10,245,000 |
$243,000 | $785,000 |
$127,000 | $398,000 |
| Unverifiable Information |
5 | $690,000 |
$138,000 | $250,000 |
$77,000 | $155,000 |
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Mortgage Loan App Totals for AMERICAN HOME BANK, N.A. by:
Metropolitan Area And
County
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