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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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KISH VALLEY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
KISH VALLEY NATIONAL BANK |
| Address | 4255 EAST MAIN ST PO BOX 917
BELLEVILLE, PA 17004 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 327 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $30,011,000 |
| Average Mortgage Loan Amount Applied For | $201,909 |
| Highest Mortgage Loan Amount Applied For | $810,000 |
| Average Applicant Income | $181,545 |
| Highest Applicant Income | $1,560,000 |
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| Home Improvement |
78 | $1,839,000 |
$23,000 | $150,000 |
$63,000 | $256,000 |
| Home Purchase |
173 | $19,185,000 |
$110,000 | $810,000 |
$91,000 | $1,560,000 |
| Refinancing |
76 | $8,987,000 |
$118,000 | $579,000 |
$75,000 | $1,000,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $155,000 |
$77,000 | $135,000 |
$36,000 | $61,000 |
| Black or African American |
1 | $20,000 |
$20,000 | $20,000 |
$256,000 | $256,000 |
| Hispanic |
1 | $80,000 |
$80,000 | $80,000 |
$178,000 | $178,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $84,000 |
$84,000 | $84,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
322 | $29,672,000 |
$92,000 | $810,000 |
$80,000 | $1,560,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
326 | $29,881,000 |
$91,000 | $810,000 |
$81,000 | $1,560,000 |
| FHA-insured (Federal Housing Administration) |
1 | $130,000 |
$130,000 | $130,000 |
$80,000 | $80,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
24 | $1,367,000 |
$56,000 | $197,000 |
$38,000 | $70,000 |
| Application Withdrawn By Applicant |
18 | $2,202,000 |
$122,000 | $229,000 |
$58,000 | $91,000 |
| File Closed For Incompleteness |
1 | $166,000 |
$166,000 | $166,000 |
$102,000 | $102,000 |
| Loan Originated |
284 | $26,276,000 |
$92,000 | $810,000 |
$85,000 | $1,560,000 |
| 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 |
1 | $47,000 |
$47,000 | $47,000 |
$23,000 | $23,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $769,000 |
$48,000 | $197,000 |
$37,000 | $69,000 |
| Debt-To-Income Ratio |
3 | $235,000 |
$78,000 | $175,000 |
$43,000 | $70,000 |
| 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 |
4 | $316,000 |
$79,000 | $175,000 |
$41,000 | $49,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for KISH VALLEY NATIONAL BANK by:
Metropolitan Area And
County
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