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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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PATRIOT BANK N A
Mortgage Loans and Application Details
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| Mortgage Company Name |
PATRIOT BANK N A |
| Address | P O BOX 3748
MARTINSVILLE, VA 24115 |
| 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 | 29 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,002,000 |
| Average Mortgage Loan Amount Applied For | $73,428 |
| Highest Mortgage Loan Amount Applied For | $260,000 |
| Average Applicant Income | $63,571 |
| Highest Applicant Income | $174,000 |
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| Home Improvement |
18 | $880,000 |
$48,000 | $200,000 |
$59,000 | $169,000 |
| Home Purchase |
3 | $373,000 |
$124,000 | $140,000 |
$54,000 | $95,000 |
| Refinancing |
8 | $749,000 |
$93,000 | $260,000 |
$61,000 | $174,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $110,000 |
$110,000 | $110,000 |
$95,000 | $95,000 |
| Black or African American |
3 | $169,000 |
$56,000 | $145,000 |
$45,000 | $80,000 |
| Hispanic |
1 | $32,000 |
$32,000 | $32,000 |
$71,000 | $71,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
24 | $1,691,000 |
$70,000 | $260,000 |
$59,000 | $174,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
29 | $2,002,000 |
$69,000 | $260,000 |
$59,000 | $174,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $123,000 |
$41,000 | $76,000 |
$57,000 | $71,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
26 | $1,879,000 |
$72,000 | $260,000 |
$59,000 | $174,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $47,000 |
$23,000 | $32,000 |
$69,000 | $71,000 |
| Debt-To-Income Ratio |
1 | $76,000 |
$76,000 | $76,000 |
$34,000 | $34,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PATRIOT BANK N A by:
Metropolitan Area And
County
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