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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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CAPON VALLEY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPON VALLEY BANK |
| Address | PO BOX 119
WARDENSVILLE, WV 26851 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 257 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,152,000 |
| Average Mortgage Loan Amount Applied For | $98,900 |
| Highest Mortgage Loan Amount Applied For | $790,000 |
| Average Applicant Income | $105,900 |
| Highest Applicant Income | $420,000 |
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| Home Improvement |
51 | $3,955,000 |
$77,000 | $450,000 |
$53,000 | $362,000 |
| Home Purchase |
58 | $5,159,000 |
$88,000 | $790,000 |
$66,000 | $420,000 |
| Refinancing |
148 | $9,038,000 |
$61,000 | $300,000 |
$42,000 | $156,000 |
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| American Indian or Alaskan Native |
1 | $45,000 |
$45,000 | $45,000 |
$22,000 | $22,000 |
| Asian |
1 | $63,000 |
$63,000 | $63,000 |
$60,000 | $60,000 |
| Black or African American |
1 | $93,000 |
$93,000 | $93,000 |
$12,000 | $12,000 |
| Hispanic |
1 | $44,000 |
$44,000 | $44,000 |
$59,000 | $59,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $244,000 |
$244,000 | $244,000 |
$420,000 | $420,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
252 | $17,663,000 |
$70,000 | $790,000 |
$48,000 | $362,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
256 | $17,362,000 |
$67,000 | $450,000 |
$50,000 | $420,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $790,000 |
$790,000 | $790,000 |
$34,000 | $34,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
18 | $2,350,000 |
$130,000 | $790,000 |
$50,000 | $120,000 |
| Application Withdrawn By Applicant |
3 | $132,000 |
$44,000 | $72,000 |
$55,000 | $100,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
236 | $15,670,000 |
$66,000 | $450,000 |
$49,000 | $420,000 |
| 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 | $33,000 |
$33,000 | $33,000 |
$45,000 | $45,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
14 | $1,376,000 |
$98,000 | $225,000 |
$51,000 | $120,000 |
| Debt-To-Income Ratio |
2 | $151,000 |
$75,000 | $131,000 |
$52,000 | $75,000 |
| 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 |
1 | $790,000 |
$790,000 | $790,000 |
$34,000 | $34,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CAPON VALLEY BANK by:
Metropolitan Area And
County
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