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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 & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY BANK & TRUST CO. |
| Address | 125 NORTH STATE STREET
CLARKS SUMMIT, PA 18411 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 752 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $61,804,000 |
| Average Mortgage Loan Amount Applied For | $138,272 |
| Highest Mortgage Loan Amount Applied For | $1,600,000 |
| Average Applicant Income | $122,363 |
| Highest Applicant Income | $771,000 |
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| Home Improvement |
341 | $14,629,000 |
$42,000 | $325,000 |
$67,000 | $620,000 |
| Home Purchase |
189 | $30,267,000 |
$160,000 | $1,600,000 |
$97,000 | $771,000 |
| Refinancing |
222 | $16,908,000 |
$76,000 | $555,000 |
$61,000 | $296,000 |
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| American Indian or Alaskan Native |
1 | $10,000 |
$10,000 | $10,000 |
$42,000 | $42,000 |
| Asian |
3 | $1,198,000 |
$399,000 | $646,000 |
$529,000 | $771,000 |
| Black or African American |
1 | $35,000 |
$35,000 | $35,000 |
$33,000 | $33,000 |
| Hispanic |
1 | $116,000 |
$116,000 | $116,000 |
$66,000 | $66,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
32 | $8,967,000 |
$280,000 | $1,600,000 |
$97,000 | $430,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
714 | $51,478,000 |
$72,000 | $1,024,000 |
$70,000 | $620,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
752 | $61,804,000 |
$82,000 | $1,600,000 |
$72,000 | $771,000 |
| 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 |
17 | $3,527,000 |
$207,000 | $1,600,000 |
$82,000 | $372,000 |
| Application Denied By Financial Institution |
30 | $2,046,000 |
$68,000 | $160,000 |
$44,000 | $154,000 |
| Application Withdrawn By Applicant |
32 | $3,911,000 |
$122,000 | $646,000 |
$86,000 | $771,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
673 | $52,320,000 |
$77,000 | $1,600,000 |
$73,000 | $771,000 |
| 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 |
8 | $653,000 |
$81,000 | $157,000 |
$52,000 | $154,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $453,000 |
$50,000 | $100,000 |
$47,000 | $76,000 |
| Debt-To-Income Ratio |
12 | $824,000 |
$68,000 | $160,000 |
$34,000 | $81,000 |
| Employment History |
1 | $116,000 |
$116,000 | $116,000 |
$70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMUNITY BANK & TRUST CO. by:
Metropolitan Area And
County
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