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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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FNB BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FNB BANK, N.A. |
| Address | 100 INDEPENDENCE ST
SHAMOKIN, PA 17872 |
| 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 | 1,049 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $82,187,000 |
| Average Mortgage Loan Amount Applied For | $111,750 |
| Highest Mortgage Loan Amount Applied For | $1,400,000 |
| Average Applicant Income | $77,050 |
| Highest Applicant Income | $550,000 |
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| Home Improvement |
261 | $7,428,000 |
$28,000 | $680,000 |
$60,000 | $550,000 |
| Home Purchase |
601 | $64,456,000 |
$107,000 | $1,400,000 |
$70,000 | $430,000 |
| Refinancing |
247 | $15,543,000 |
$62,000 | $383,000 |
$56,000 | $260,000 |
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| American Indian or Alaskan Native |
2 | $126,000 |
$63,000 | $64,000 |
$60,000 | $79,000 |
| Asian |
2 | $381,000 |
$190,000 | $196,000 |
$84,000 | $89,000 |
| Black or African American |
7 | $486,000 |
$69,000 | $143,000 |
$42,000 | $67,000 |
| Hispanic |
9 | $1,008,000 |
$112,000 | $256,000 |
$63,000 | $149,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $1,765,000 |
$252,000 | $472,000 |
$319,000 | $350,000 |
| Not applicable |
4 | $2,033,000 |
$508,000 | $1,400,000 |
$0 | $0 |
| Not Provided |
28 | $2,067,000 |
$73,000 | $180,000 |
$52,000 | $145,000 |
| White |
1,050 | $79,561,000 |
$75,000 | $756,000 |
$64,000 | $550,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,033 | $80,674,000 |
$78,000 | $1,400,000 |
$67,000 | $550,000 |
| FHA-insured (Federal Housing Administration) |
25 | $2,427,000 |
$97,000 | $165,000 |
$49,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
50 | $4,239,000 |
$84,000 | $190,000 |
$33,000 | $65,000 |
| VA-guaranteed (Veterans Administration) |
1 | $87,000 |
$87,000 | $87,000 |
$18,000 | $18,000 |
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| Application Approved But Not Accepted |
35 | $2,272,000 |
$64,000 | $350,000 |
$58,000 | $149,000 |
| Application Denied By Financial Institution |
113 | $5,201,000 |
$46,000 | $409,000 |
$38,000 | $146,000 |
| Application Withdrawn By Applicant |
29 | $2,977,000 |
$102,000 | $289,000 |
$50,000 | $129,000 |
| File Closed For Incompleteness |
1 | $45,000 |
$45,000 | $45,000 |
$98,000 | $98,000 |
| Loan Originated |
871 | $71,692,000 |
$82,000 | $1,400,000 |
$71,000 | $550,000 |
| 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 |
60 | $5,240,000 |
$87,000 | $196,000 |
$39,000 | $120,000 |
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| Collateral |
10 | $629,000 |
$62,000 | $124,000 |
$37,000 | $71,000 |
| Credit Application Incomplete |
1 | $61,000 |
$61,000 | $61,000 |
$42,000 | $42,000 |
| Credit History |
107 | $5,505,000 |
$51,000 | $180,000 |
$39,000 | $120,000 |
| Debt-To-Income Ratio |
44 | $3,612,000 |
$82,000 | $409,000 |
$38,000 | $146,000 |
| Employment History |
3 | $210,000 |
$70,000 | $90,000 |
$16,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $156,000 |
$78,000 | $103,000 |
$33,000 | $35,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $135,000 |
$33,000 | $59,000 |
$53,000 | $90,000 |
| Unverifiable Information |
2 | $133,000 |
$66,000 | $103,000 |
$37,000 | $62,000 |
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Mortgage Loan App Totals for FNB BANK, N.A. by:
Metropolitan Area And
County
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