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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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CNB BANK INC.
Mortgage Loans and Application Details
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| Mortgage Company Name |
CNB BANK INC. |
| Address | 101 S WASHINGTON STREET
BERKELEY SPRINGS, WV 25411 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 594 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $60,232,000 |
| Average Mortgage Loan Amount Applied For | $105,454 |
| Highest Mortgage Loan Amount Applied For | $689,000 |
| Average Applicant Income | $124,000 |
| Highest Applicant Income | $531,000 |
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| Home Improvement |
188 | $7,002,000 |
$37,000 | $500,000 |
$58,000 | $531,000 |
| Home Purchase |
245 | $31,280,000 |
$127,000 | $689,000 |
$62,000 | $484,000 |
| Refinancing |
205 | $23,772,000 |
$115,000 | $687,000 |
$62,000 | $519,000 |
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| American Indian or Alaskan Native |
2 | $185,000 |
$92,000 | $120,000 |
$57,000 | $83,000 |
| Asian |
2 | $422,000 |
$211,000 | $325,000 |
$109,000 | $190,000 |
| Black or African American |
7 | $1,214,000 |
$173,000 | $285,000 |
$73,000 | $159,000 |
| Hispanic |
4 | $594,000 |
$148,000 | $230,000 |
$57,000 | $129,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $160,000 |
$53,000 | $60,000 |
$43,000 | $44,000 |
| Not applicable |
14 | $3,235,000 |
$231,000 | $529,000 |
$0 | $0 |
| Not Provided |
51 | $4,271,000 |
$83,000 | $500,000 |
$63,000 | $415,000 |
| White |
555 | $51,973,000 |
$93,000 | $689,000 |
$62,000 | $531,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
636 | $61,668,000 |
$96,000 | $689,000 |
$61,000 | $531,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $386,000 |
$193,000 | $216,000 |
$46,000 | $56,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
24 | $2,033,000 |
$84,000 | $250,000 |
$52,000 | $110,000 |
| Application Denied By Financial Institution |
106 | $6,631,000 |
$62,000 | $270,000 |
$43,000 | $125,000 |
| Application Withdrawn By Applicant |
13 | $1,372,000 |
$105,000 | $303,000 |
$41,000 | $80,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
495 | $52,018,000 |
$105,000 | $689,000 |
$65,000 | $531,000 |
| 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 | $115,000 |
$115,000 | $115,000 |
$79,000 | $79,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
38 | $1,634,000 |
$43,000 | $152,000 |
$47,000 | $125,000 |
| Debt-To-Income Ratio |
55 | $3,669,000 |
$66,000 | $270,000 |
$41,000 | $108,000 |
| Employment History |
4 | $282,000 |
$70,000 | $195,000 |
$41,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $241,000 |
$120,000 | $199,000 |
$13,000 | $26,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $690,000 |
$115,000 | $230,000 |
$45,000 | $72,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CNB BANK INC. by:
Metropolitan Area And
County
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