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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 HERITAGE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST HERITAGE BANK |
| Address | 64 NORTH FRANKLIN ST.
WILKES-BARRE, PA 18701 |
| Agency | Federal Reserve System (FRS) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 109 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,216,000 |
| Average Mortgage Loan Amount Applied For | $359,857 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $134,142 |
| Highest Applicant Income | $597,000 |
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| Home Improvement (one-to-four family) |
39 | $1,279,000 |
$17,500 | $400,000 |
$19,500 | $257,000 |
| Home Purchase (one-to-four family) |
30 | $4,506,000 |
$150,000 | $2,000,000 |
$88,000 | $597,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
2 | $485,000 |
$242,000 | $400,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
38 | $4,946,000 |
$130,000 | $1,450,000 |
$96,000 | $481,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
4 | $130,000 |
$32,000 | $58,000 |
$30,000 | $38,000 |
| Information not provided by applicant in mail or telephone application |
2 | $140,000 |
$70,000 | $105,000 |
$40,000 | $59,000 |
| Not applicable |
5 | $666,000 |
$133,000 | $400,000 |
$0 | $0 |
| Other |
1 | $225,000 |
$225,000 | $225,000 |
$258,000 | $258,000 |
| White |
97 | $10,055,000 |
$53,000 | $2,000,000 |
$45,000 | $597,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
109 | $11,216,000 |
$52,500 | $2,000,000 |
$37,000 | $597,000 |
| 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 |
1 | $80,000 |
$80,000 | $80,000 |
$60,000 | $60,000 |
| Application Denied By Financial Institution |
26 | $1,325,000 |
$50,000 | $162,000 |
$41,000 | $107,000 |
| Application Withdrawn By Applicant |
7 | $628,000 |
$89,000 | $365,000 |
$62,000 | $427,000 |
| File Closed For Incompleteness |
1 | $25,000 |
$25,000 | $25,000 |
$38,000 | $38,000 |
| Loan Originated |
74 | $9,158,000 |
$63,500 | $2,000,000 |
$52,500 | $597,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
1 | $140,000 |
$140,000 | $140,000 |
$107,000 | $107,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $534,000 |
$41,000 | $88,000 |
$31,000 | $78,000 |
| Debt-To-Income Ratio |
12 | $651,000 |
$54,000 | $162,000 |
$36,000 | $78,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST HERITAGE BANK by:
Metropolitan Area And
County
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