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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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NATIONAL BANK OF COXSACKIE
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL BANK OF COXSACKIE |
| Address | 3-7 REED STREET, P.O. BOX 400
COXSACKIE, NY 12051-0400 |
| 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 | 60 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,105,000 |
| Average Mortgage Loan Amount Applied For | $40,750 |
| Highest Mortgage Loan Amount Applied For | $380,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $301,000 |
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| Home Improvement |
113 | $3,962,000 |
$35,000 | $360,000 |
$52,000 | $170,000 |
| Home Purchase |
44 | $6,443,000 |
$146,000 | $380,000 |
$74,000 | $301,000 |
| Refinancing |
40 | $4,830,000 |
$120,000 | $471,000 |
$76,000 | $215,000 |
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| American Indian or Alaskan Native |
2 | $10,000 |
$5,000 | $5,000 |
$75,000 | $75,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $20,000 |
$20,000 | $20,000 |
$118,000 | $118,000 |
| Hispanic |
1 | $25,000 |
$25,000 | $25,000 |
$74,000 | $74,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $390,000 |
$195,000 | $350,000 |
$34,000 | $68,000 |
| Not Provided |
2 | $152,000 |
$76,000 | $136,000 |
$49,000 | $85,000 |
| White |
189 | $14,638,000 |
$77,000 | $471,000 |
$62,000 | $301,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
197 | $15,235,000 |
$77,000 | $471,000 |
$62,000 | $301,000 |
| 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 |
3 | $195,000 |
$65,000 | $90,000 |
$37,000 | $49,000 |
| Application Denied By Financial Institution |
36 | $2,924,000 |
$81,000 | $360,000 |
$47,000 | $150,000 |
| Application Withdrawn By Applicant |
6 | $916,000 |
$152,000 | $250,000 |
$71,000 | $117,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
152 | $11,200,000 |
$73,000 | $471,000 |
$65,000 | $301,000 |
| 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 |
2 | $41,000 |
$20,000 | $32,000 |
$62,000 | $68,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
15 | $1,026,000 |
$68,000 | $220,000 |
$52,000 | $96,000 |
| Debt-To-Income Ratio |
13 | $962,000 |
$74,000 | $200,000 |
$32,000 | $96,000 |
| Employment History |
1 | $190,000 |
$190,000 | $190,000 |
$39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $155,000 |
$155,000 | $155,000 |
$38,000 | $38,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $550,000 |
$137,000 | $360,000 |
$74,000 | $150,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NATIONAL BANK OF COXSACKIE by:
Metropolitan Area And
County
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