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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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NATIONAL BANK OF GENEVA
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL BANK OF GENEVA |
| Address | 2 SENECA STREET
GENEVA, NY 14456 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| Data Years (click a year for detail) | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 453 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,141,000 |
| Average Mortgage Loan Amount Applied For | $64,687 |
| Highest Mortgage Loan Amount Applied For | $300,000 |
| Average Applicant Income | $66,312 |
| Highest Applicant Income | $667,000 |
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| Home Improvement |
175 | $5,310,000 |
$30,000 | $250,000 |
$48,000 | $613,000 |
| Home Purchase |
145 | $12,942,000 |
$89,000 | $300,000 |
$64,000 | $667,000 |
| Refinancing |
133 | $9,889,000 |
$74,000 | $300,000 |
$77,000 | $602,000 |
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| American Indian or Alaskan Native |
2 | $92,000 |
$46,000 | $50,000 |
$32,000 | $51,000 |
| Asian |
3 | $96,000 |
$32,000 | $56,000 |
$39,000 | $41,000 |
| Black or African American |
4 | $251,000 |
$62,000 | $132,000 |
$80,000 | $158,000 |
| Hispanic |
4 | $299,000 |
$74,000 | $145,000 |
$55,000 | $81,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $47,000 |
$47,000 | $47,000 |
$39,000 | $39,000 |
| White |
439 | $27,356,000 |
$62,000 | $300,000 |
$64,000 | $667,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
453 | $28,141,000 |
$62,000 | $300,000 |
$63,000 | $667,000 |
| 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 | $220,000 |
$73,000 | $126,000 |
$36,000 | $57,000 |
| Application Denied By Financial Institution |
32 | $1,916,000 |
$59,000 | $300,000 |
$43,000 | $102,000 |
| Application Withdrawn By Applicant |
10 | $1,058,000 |
$105,000 | $238,000 |
$67,000 | $158,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
408 | $24,947,000 |
$61,000 | $300,000 |
$70,000 | $667,000 |
| 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 | $137,000 |
$137,000 | $137,000 |
$68,000 | $68,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $437,000 |
$25,000 | $145,000 |
$33,000 | $84,000 |
| Debt-To-Income Ratio |
8 | $763,000 |
$95,000 | $213,000 |
$49,000 | $102,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $410,000 |
$136,000 | $300,000 |
$38,000 | $65,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $169,000 |
$56,000 | $108,000 |
$51,000 | $88,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NATIONAL BANK OF GENEVA by:
Metropolitan Area And
County
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