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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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COUNTY NB
Mortgage Loans and Application Details
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| Mortgage Company Name |
COUNTY NB |
| Address | 1 SOUTH SECOND STREET
CLEARFIELD, PA 16830 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 888 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $47,116,000 |
| Average Mortgage Loan Amount Applied For | $99,777 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $95,722 |
| Highest Applicant Income | $967,000 |
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| Home Improvement |
192 | $5,274,000 |
$105,500 | $750,000 |
$77,500 | $480,000 |
| Home Purchase |
235 | $18,375,000 |
$122,000 | $480,000 |
$175,250 | $950,000 |
| Refinancing |
462 | $23,477,000 |
$132,666 | $337,000 |
$111,000 | $967,000 |
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| American Indian or Alaskan Native |
2 | $151,000 |
$75,500 | $103,000 |
$36,000 | $40,000 |
| Asian |
3 | $710,000 |
$255,000 | $360,000 |
$518,500 | $590,000 |
| Black or African American |
1 | $13,000 |
$13,000 | $13,000 |
$32,000 | $32,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $50,000 |
$50,000 | $50,000 |
$48,000 | $48,000 |
| Not applicable |
8 | $587,000 |
$52,500 | $235,000 |
$0 | $0 |
| Not Provided |
2 | $115,000 |
$57,000 | $75,000 |
$43,000 | $55,000 |
| White |
872 | $45,500,000 |
$151,000 | $750,000 |
$139,500 | $967,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
889 | $47,126,000 |
$156,333 | $750,000 |
$165,666 | $967,000 |
| 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 |
11 | $1,194,000 |
$108,000 | $480,000 |
$99,000 | $317,000 |
| Application Denied By Financial Institution |
52 | $2,471,000 |
$65,500 | $150,000 |
$38,000 | $78,000 |
| Application Withdrawn By Applicant |
7 | $1,085,000 |
$110,000 | $750,000 |
$80,000 | $480,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
819 | $42,376,000 |
$159,000 | $360,000 |
$182,500 | $967,000 |
| 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 |
4 | $207,000 |
$51,000 | $77,000 |
$45,000 | $61,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
25 | $1,091,000 |
$43,000 | $110,000 |
$35,000 | $75,000 |
| Debt-To-Income Ratio |
10 | $612,000 |
$61,000 | $150,000 |
$32,000 | $73,000 |
| Employment History |
6 | $154,000 |
$25,000 | $65,000 |
$21,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $185,000 |
$61,000 | $116,000 |
$32,000 | $40,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $222,000 |
$65,000 | $85,000 |
$47,000 | $78,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COUNTY NB by:
Metropolitan Area And
County
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