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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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OSWEGO COUNTY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
OSWEGO COUNTY NATIONAL BANK |
| Address | 120 MADISON STREET, 17TH FLOOR
SYRACUSE, NY 13202 |
| 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 | 223 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,775,000 |
| Average Mortgage Loan Amount Applied For | $82,363 |
| Highest Mortgage Loan Amount Applied For | $1,140,000 |
| Average Applicant Income | $104,545 |
| Highest Applicant Income | $1,716,000 |
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| Home Improvement |
59 | $1,252,000 |
$21,000 | $68,000 |
$48,000 | $152,000 |
| Home Purchase |
182 | $16,021,000 |
$88,000 | $1,140,000 |
$85,000 | $1,716,000 |
| Refinancing |
62 | $4,024,000 |
$64,000 | $350,000 |
$72,000 | $320,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $10,000 |
$10,000 | $10,000 |
$30,000 | $30,000 |
| Black or African American |
3 | $148,000 |
$49,000 | $50,000 |
$128,000 | $166,000 |
| Hispanic |
2 | $138,000 |
$69,000 | $77,000 |
$58,000 | $61,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $86,000 |
$86,000 | $86,000 |
$48,000 | $48,000 |
| Not applicable |
5 | $1,316,000 |
$263,000 | $1,140,000 |
$100,000 | $307,000 |
| Not Provided |
3 | $169,000 |
$56,000 | $109,000 |
$48,000 | $63,000 |
| White |
288 | $19,430,000 |
$67,000 | $520,000 |
$75,000 | $1,716,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
303 | $21,297,000 |
$70,000 | $1,140,000 |
$75,000 | $1,716,000 |
| 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 |
25 | $2,774,000 |
$110,000 | $1,140,000 |
$64,000 | $185,000 |
| Application Denied By Financial Institution |
40 | $1,808,000 |
$45,000 | $200,000 |
$41,000 | $128,000 |
| Application Withdrawn By Applicant |
16 | $922,000 |
$57,000 | $186,000 |
$51,000 | $99,000 |
| File Closed For Incompleteness |
1 | $68,000 |
$68,000 | $68,000 |
$65,000 | $65,000 |
| Loan Originated |
138 | $9,510,000 |
$68,000 | $520,000 |
$99,000 | $1,716,000 |
| Loan Purchased By The Institution |
14 | $1,446,000 |
$103,000 | $213,000 |
$83,000 | $160,000 |
| Preapproval Approved but not Accepted |
38 | $3,212,000 |
$84,000 | $280,000 |
$59,000 | $150,000 |
| Preapproval Denied by Financial Institution |
31 | $1,557,000 |
$50,000 | $152,000 |
$51,000 | $100,000 |
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| Collateral |
6 | $203,000 |
$33,000 | $109,000 |
$37,000 | $65,000 |
| Credit Application Incomplete |
3 | $250,000 |
$83,000 | $180,000 |
$70,000 | $125,000 |
| Credit History |
24 | $787,000 |
$32,000 | $112,000 |
$46,000 | $128,000 |
| Debt-To-Income Ratio |
30 | $1,537,000 |
$51,000 | $200,000 |
$43,000 | $100,000 |
| Employment History |
2 | $105,000 |
$52,000 | $71,000 |
$34,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $262,000 |
$65,000 | $120,000 |
$68,000 | $83,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $77,000 |
$77,000 | $77,000 |
$55,000 | $55,000 |
| Unverifiable Information |
1 | $144,000 |
$144,000 | $144,000 |
$0 | $0 |
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Mortgage Loan App Totals for OSWEGO COUNTY NATIONAL BANK by:
Metropolitan Area And
County
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