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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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FIRST FINANCIAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST FINANCIAL BANK |
| Address | 100 EAST LANCASTER AVENUE
DOWNINGTOWN, PA 19335 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 337 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,065,000 |
| Average Mortgage Loan Amount Applied For | $188,750 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $141,916 |
| Highest Applicant Income | $2,447,000 |
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| Home Improvement |
41 | $1,775,000 |
$43,000 | $185,000 |
$70,000 | $2,447,000 |
| Home Purchase |
70 | $16,753,000 |
$276,750 | $1,500,000 |
$163,500 | $800,000 |
| Refinancing |
226 | $27,537,000 |
$137,000 | $560,000 |
$176,000 | $562,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $680,000 |
$170,000 | $512,000 |
$86,000 | $147,000 |
| Black or African American |
7 | $387,000 |
$55,000 | $109,000 |
$50,000 | $129,000 |
| Hispanic |
6 | $413,000 |
$68,000 | $184,000 |
$61,000 | $85,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $390,000 |
$195,000 | $250,000 |
$0 | $0 |
| Not Provided |
28 | $6,553,000 |
$277,500 | $1,500,000 |
$167,500 | $645,000 |
| White |
290 | $37,642,000 |
$204,800 | $1,365,000 |
$146,600 | $2,447,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
337 | $46,065,000 |
$200,200 | $1,500,000 |
$141,800 | $2,447,000 |
| 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 |
8 | $1,750,000 |
$218,000 | $414,000 |
$108,000 | $188,000 |
| Application Denied By Financial Institution |
31 | $4,468,000 |
$233,000 | $683,000 |
$199,250 | $500,000 |
| Application Withdrawn By Applicant |
26 | $4,153,000 |
$129,666 | $505,000 |
$58,666 | $343,000 |
| File Closed For Incompleteness |
1 | $275,000 |
$275,000 | $275,000 |
$60,000 | $60,000 |
| Loan Originated |
270 | $35,096,000 |
$282,000 | $1,500,000 |
$180,000 | $2,447,000 |
| Loan Purchased By The Institution |
1 | $323,000 |
$323,000 | $323,000 |
$562,000 | $562,000 |
| 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 |
5 | $616,000 |
$123,000 | $146,000 |
$52,000 | $79,000 |
| Credit Application Incomplete |
1 | $190,000 |
$190,000 | $190,000 |
$52,000 | $52,000 |
| Credit History |
17 | $1,794,000 |
$95,500 | $278,000 |
$59,500 | $163,000 |
| Debt-To-Income Ratio |
6 | $1,809,000 |
$454,000 | $683,000 |
$306,000 | $500,000 |
| 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 |
2 | $59,000 |
$29,500 | $34,000 |
$115,500 | $176,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST FINANCIAL BANK by:
Metropolitan Area And
County
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