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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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JERSEY SHORE STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
JERSEY SHORE STATE BANK |
| Address | 300 MARKET STREET
WILLIAMSPORT, PA 17701 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,038 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $85,213,000 |
| Average Mortgage Loan Amount Applied For | $77,869 |
| Highest Mortgage Loan Amount Applied For | $900,000 |
| Average Applicant Income | $44,521 |
| Highest Applicant Income | $950,000 |
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| Home Improvement |
250 | $7,805,000 |
$31,000 | $480,000 |
$55,000 | $913,000 |
| Home Purchase |
606 | $64,066,000 |
$105,000 | $900,000 |
$54,000 | $950,000 |
| Refinancing |
182 | $13,342,000 |
$73,000 | $531,000 |
$50,000 | $231,000 |
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| American Indian or Alaskan Native |
1 | $58,000 |
$58,000 | $58,000 |
$38,000 | $38,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
6 | $334,000 |
$55,000 | $122,000 |
$29,000 | $49,000 |
| Hispanic |
6 | $572,000 |
$95,000 | $163,000 |
$80,000 | $210,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $76,000 |
$38,000 | $60,000 |
$12,000 | $14,000 |
| Not applicable |
27 | $4,524,000 |
$167,000 | $900,000 |
$18,000 | $232,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
996 | $79,649,000 |
$79,000 | $550,000 |
$55,000 | $950,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
899 | $71,396,000 |
$79,000 | $900,000 |
$55,000 | $950,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
139 | $13,817,000 |
$99,000 | $180,000 |
$45,000 | $770,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
5 | $334,000 |
$66,000 | $100,000 |
$121,000 | $210,000 |
| Application Denied By Financial Institution |
57 | $2,950,000 |
$51,000 | $300,000 |
$33,000 | $114,000 |
| Application Withdrawn By Applicant |
36 | $2,833,000 |
$78,000 | $331,000 |
$58,000 | $330,000 |
| File Closed For Incompleteness |
1 | $10,000 |
$10,000 | $10,000 |
$45,000 | $45,000 |
| Loan Originated |
939 | $79,086,000 |
$84,000 | $900,000 |
$55,000 | $950,000 |
| 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 |
9 | $425,000 |
$47,000 | $117,000 |
$36,000 | $47,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
28 | $1,116,000 |
$39,000 | $300,000 |
$35,000 | $114,000 |
| Debt-To-Income Ratio |
10 | $690,000 |
$69,000 | $169,000 |
$17,000 | $27,000 |
| Employment History |
3 | $227,000 |
$75,000 | $147,000 |
$42,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $186,000 |
$62,000 | $112,000 |
$32,000 | $52,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $306,000 |
$76,000 | $115,000 |
$48,000 | $62,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for JERSEY SHORE STATE BANK by:
Metropolitan Area And
County
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