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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 NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
DELAWARE NATIONAL BANK |
| Address | 3975 TOWNSHIP LINE ROAD
BETHLEHEM, PA 18020 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 687 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $90,883,000 |
| Average Mortgage Loan Amount Applied For | $130,562 |
| Highest Mortgage Loan Amount Applied For | $2,800,000 |
| Average Applicant Income | $77,500 |
| Highest Applicant Income | $1,089,000 |
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| Home Improvement |
210 | $9,378,000 |
$44,000 | $548,000 |
$60,000 | $335,000 |
| Home Purchase |
257 | $49,028,000 |
$190,000 | $2,800,000 |
$119,000 | $1,033,000 |
| Refinancing |
255 | $39,042,000 |
$153,000 | $1,000,000 |
$101,000 | $1,089,000 |
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| American Indian or Alaskan Native |
1 | $100,000 |
$100,000 | $100,000 |
$40,000 | $40,000 |
| Asian |
6 | $903,000 |
$150,000 | $225,000 |
$244,000 | $812,000 |
| Black or African American |
34 | $3,462,000 |
$101,000 | $248,000 |
$53,000 | $300,000 |
| Hispanic |
45 | $6,764,000 |
$150,000 | $425,000 |
$48,000 | $192,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $90,000 |
$90,000 | $90,000 |
$240,000 | $240,000 |
| Not applicable |
15 | $3,752,000 |
$250,000 | $1,000,000 |
$0 | $0 |
| Not Provided |
60 | $6,456,000 |
$107,000 | $1,000,000 |
$100,000 | $1,074,000 |
| White |
560 | $75,921,000 |
$135,000 | $2,800,000 |
$102,000 | $1,089,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
703 | $94,388,000 |
$134,000 | $2,800,000 |
$97,000 | $1,089,000 |
| FHA-insured (Federal Housing Administration) |
10 | $1,275,000 |
$127,000 | $220,000 |
$51,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $1,412,000 |
$201,000 | $318,000 |
$51,000 | $76,000 |
| VA-guaranteed (Veterans Administration) |
2 | $373,000 |
$186,000 | $230,000 |
$23,000 | $30,000 |
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| Application Approved But Not Accepted |
11 | $673,000 |
$61,000 | $174,000 |
$91,000 | $302,000 |
| Application Denied By Financial Institution |
115 | $9,845,000 |
$85,000 | $480,000 |
$68,000 | $500,000 |
| Application Withdrawn By Applicant |
85 | $18,533,000 |
$218,000 | $2,800,000 |
$111,000 | $1,074,000 |
| File Closed For Incompleteness |
1 | $130,000 |
$130,000 | $130,000 |
$58,000 | $58,000 |
| Loan Originated |
475 | $61,702,000 |
$129,000 | $1,000,000 |
$103,000 | $1,089,000 |
| 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 |
35 | $6,565,000 |
$187,000 | $570,000 |
$54,000 | $386,000 |
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| Collateral |
8 | $1,558,000 |
$194,000 | $450,000 |
$64,000 | $111,000 |
| Credit Application Incomplete |
5 | $900,000 |
$180,000 | $395,000 |
$18,000 | $37,000 |
| Credit History |
67 | $6,440,000 |
$96,000 | $570,000 |
$67,000 | $500,000 |
| Debt-To-Income Ratio |
58 | $5,905,000 |
$101,000 | $280,000 |
$44,000 | $180,000 |
| 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 |
12 | $1,607,000 |
$133,000 | $480,000 |
$172,000 | $298,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for DELAWARE NATIONAL BANK by:
Metropolitan Area And
County
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