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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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COMMUNITY BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY BANK, N.A. |
| Address | 475 EAST COMMERCE STREET
HERNANDO, MS 38632 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 341 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $42,219,000 |
| Average Mortgage Loan Amount Applied For | $117,366 |
| Highest Mortgage Loan Amount Applied For | $3,120,000 |
| Average Applicant Income | $218,100 |
| Highest Applicant Income | $4,652,000 |
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| Home Improvement |
51 | $1,010,000 |
$19,000 | $105,000 |
$59,000 | $354,000 |
| Home Purchase |
172 | $27,322,000 |
$158,000 | $3,120,000 |
$255,000 | $4,652,000 |
| Refinancing |
118 | $13,887,000 |
$117,000 | $1,730,000 |
$107,000 | $1,192,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $25,000 |
$25,000 | $25,000 |
$60,000 | $60,000 |
| Black or African American |
86 | $3,915,000 |
$45,000 | $350,000 |
$77,000 | $913,000 |
| Hispanic |
5 | $399,000 |
$79,000 | $171,000 |
$59,000 | $164,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
36 | $10,003,000 |
$277,000 | $1,696,000 |
$859,000 | $4,652,000 |
| Not Provided |
3 | $67,000 |
$22,000 | $33,000 |
$28,000 | $52,000 |
| White |
210 | $27,810,000 |
$132,000 | $3,120,000 |
$102,000 | $1,521,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
341 | $42,219,000 |
$123,000 | $3,120,000 |
$174,000 | $4,652,000 |
| 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 |
2 | $321,000 |
$160,000 | $171,000 |
$99,000 | $165,000 |
| Application Denied By Financial Institution |
28 | $894,000 |
$31,000 | $170,000 |
$27,000 | $76,000 |
| Application Withdrawn By Applicant |
31 | $10,844,000 |
$349,000 | $3,120,000 |
$111,000 | $1,081,000 |
| File Closed For Incompleteness |
1 | $56,000 |
$56,000 | $56,000 |
$105,000 | $105,000 |
| Loan Originated |
279 | $30,104,000 |
$107,000 | $1,730,000 |
$197,000 | $4,652,000 |
| 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 |
2 | $38,000 |
$19,000 | $28,000 |
$14,000 | $14,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $449,000 |
$28,000 | $87,000 |
$29,000 | $76,000 |
| Debt-To-Income Ratio |
5 | $304,000 |
$60,000 | $170,000 |
$23,000 | $43,000 |
| 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 |
5 | $103,000 |
$20,000 | $50,000 |
$31,000 | $48,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMUNITY BANK, N.A. by:
Metropolitan Area And
County
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