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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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DELAWARE COUNTY BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
DELAWARE COUNTY BANK AND TRUST |
| Address | 110 RIVERBEND AVENUE
LEWIS CENTER, OH 43035 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 290 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $38,685,000 |
| Average Mortgage Loan Amount Applied For | $150,733 |
| Highest Mortgage Loan Amount Applied For | $780,000 |
| Average Applicant Income | $89,133 |
| Highest Applicant Income | $579,000 |
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| Home Improvement |
50 | $3,086,000 |
$61,000 | $354,000 |
$74,000 | $326,000 |
| Home Purchase |
133 | $22,191,000 |
$166,000 | $723,000 |
$76,000 | $579,000 |
| Refinancing |
107 | $13,408,000 |
$125,000 | $780,000 |
$82,000 | $544,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $260,000 |
$260,000 | $260,000 |
$77,000 | $77,000 |
| Black or African American |
14 | $1,217,000 |
$86,000 | $225,000 |
$52,000 | $105,000 |
| Hispanic |
2 | $418,000 |
$209,000 | $400,000 |
$130,000 | $206,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
52 | $6,126,000 |
$117,000 | $525,000 |
$55,000 | $579,000 |
| Not Provided |
8 | $713,000 |
$89,000 | $216,000 |
$64,000 | $105,000 |
| White |
213 | $29,951,000 |
$140,000 | $780,000 |
$85,000 | $544,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
286 | $38,404,000 |
$134,000 | $780,000 |
$78,000 | $579,000 |
| FHA-insured (Federal Housing Administration) |
2 | $95,000 |
$47,000 | $94,000 |
$14,000 | $28,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $20,000 |
$20,000 | $20,000 |
$102,000 | $102,000 |
| VA-guaranteed (Veterans Administration) |
1 | $166,000 |
$166,000 | $166,000 |
$100,000 | $100,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
27 | $2,687,000 |
$99,000 | $301,000 |
$39,000 | $105,000 |
| Application Withdrawn By Applicant |
39 | $6,586,000 |
$168,000 | $700,000 |
$91,000 | $544,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
224 | $29,412,000 |
$131,000 | $780,000 |
$80,000 | $579,000 |
| 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 | $211,000 |
$105,000 | $178,000 |
$70,000 | $95,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $1,099,000 |
$99,000 | $225,000 |
$29,000 | $74,000 |
| Debt-To-Income Ratio |
7 | $525,000 |
$75,000 | $140,000 |
$46,000 | $105,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $178,000 |
$178,000 | $178,000 |
$50,000 | $50,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $674,000 |
$112,000 | $301,000 |
$39,000 | $99,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for DELAWARE COUNTY BANK AND TRUST by:
Metropolitan Area And
County
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