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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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CNB BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CNB BANK |
| Address | 1 S SECOND ST
CLEARFIELD, PA 16830 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 982 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $50,755,000 |
| Average Mortgage Loan Amount Applied For | $70,250 |
| Highest Mortgage Loan Amount Applied For | $826,000 |
| Average Applicant Income | $106,750 |
| Highest Applicant Income | $1,764,000 |
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| Home Improvement |
254 | $7,947,000 |
$31,000 | $826,000 |
$64,000 | $532,000 |
| Home Purchase |
217 | $16,143,000 |
$74,000 | $350,000 |
$60,000 | $850,000 |
| Refinancing |
511 | $26,665,000 |
$52,000 | $263,000 |
$71,000 | $1,764,000 |
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| American Indian or Alaskan Native |
1 | $8,000 |
$8,000 | $8,000 |
$30,000 | $30,000 |
| Asian |
4 | $225,000 |
$56,000 | $100,000 |
$81,000 | $126,000 |
| Black or African American |
6 | $263,000 |
$43,000 | $104,000 |
$74,000 | $275,000 |
| Hispanic |
2 | $73,000 |
$36,000 | $47,000 |
$35,000 | $51,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $171,000 |
$85,000 | $107,000 |
$60,000 | $120,000 |
| Not applicable |
25 | $1,874,000 |
$74,000 | $250,000 |
$27,000 | $255,000 |
| Not Provided |
2 | $46,000 |
$23,000 | $36,000 |
$54,000 | $78,000 |
| White |
940 | $48,095,000 |
$51,000 | $826,000 |
$68,000 | $1,764,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
982 | $50,755,000 |
$51,000 | $826,000 |
$67,000 | $1,764,000 |
| 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 |
5 | $447,000 |
$89,000 | $204,000 |
$64,000 | $102,000 |
| Application Denied By Financial Institution |
67 | $2,439,000 |
$36,000 | $135,000 |
$45,000 | $126,000 |
| Application Withdrawn By Applicant |
8 | $531,000 |
$66,000 | $246,000 |
$60,000 | $114,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
902 | $47,338,000 |
$52,000 | $826,000 |
$68,000 | $1,764,000 |
| 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 |
5 | $175,000 |
$35,000 | $88,000 |
$47,000 | $74,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
40 | $1,432,000 |
$35,000 | $135,000 |
$45,000 | $120,000 |
| Debt-To-Income Ratio |
11 | $468,000 |
$42,000 | $88,000 |
$44,000 | $87,000 |
| Employment History |
8 | $219,000 |
$27,000 | $40,000 |
$36,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $49,000 |
$24,000 | $27,000 |
$74,000 | $126,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $96,000 |
$96,000 | $96,000 |
$74,000 | $74,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CNB BANK by:
Metropolitan Area And
County
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