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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 NATIONAL BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK & TRUST CO |
| Address | 40 SOUTH STATE STREET
NEWTOWN, PA 18940 |
| 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 | 469 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,459,000 |
| Average Mortgage Loan Amount Applied For | $147,666 |
| Highest Mortgage Loan Amount Applied For | $950,000 |
| Average Applicant Income | $123,933 |
| Highest Applicant Income | $940,000 |
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| Home Improvement |
307 | $12,934,000 |
$42,000 | $361,000 |
$96,000 | $636,000 |
| Home Purchase |
44 | $10,426,000 |
$236,000 | $950,000 |
$171,000 | $940,000 |
| Refinancing |
118 | $14,099,000 |
$119,000 | $510,000 |
$96,000 | $378,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
4 | $65,000 |
$16,000 | $45,000 |
$37,000 | $48,000 |
| Hispanic |
3 | $41,000 |
$13,000 | $23,000 |
$78,000 | $106,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $2,252,000 |
$160,000 | $500,000 |
$232,000 | $541,000 |
| Not Provided |
7 | $592,000 |
$84,000 | $200,000 |
$184,000 | $400,000 |
| White |
441 | $34,509,000 |
$78,000 | $950,000 |
$98,000 | $940,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
469 | $37,459,000 |
$79,000 | $950,000 |
$103,000 | $940,000 |
| 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 | $950,000 |
$950,000 | $950,000 |
$465,000 | $465,000 |
| Application Denied By Financial Institution |
36 | $1,891,000 |
$52,000 | $200,000 |
$78,000 | $235,000 |
| Application Withdrawn By Applicant |
25 | $2,190,000 |
$87,000 | $375,000 |
$107,000 | $400,000 |
| File Closed For Incompleteness |
1 | $125,000 |
$125,000 | $125,000 |
$80,000 | $80,000 |
| Loan Originated |
406 | $32,303,000 |
$79,000 | $750,000 |
$104,000 | $940,000 |
| 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 |
7 | $259,000 |
$37,000 | $170,000 |
$99,000 | $183,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $344,000 |
$34,000 | $112,000 |
$67,000 | $95,000 |
| Debt-To-Income Ratio |
14 | $923,000 |
$65,000 | $200,000 |
$69,000 | $235,000 |
| Employment History |
1 | $20,000 |
$20,000 | $20,000 |
$90,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $345,000 |
$86,000 | $170,000 |
$98,000 | $127,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK & TRUST CO by:
Metropolitan Area And
County
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