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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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PENNSVILLE NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PENNSVILLE NATIONAL BANK |
| Address | 170 S. BROADWAY
PENNSVILLE, NJ 08070 |
| 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 | 168 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,008,000 |
| Average Mortgage Loan Amount Applied For | $95,400 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $397,000 |
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| Home Improvement |
89 | $2,855,000 |
$32,000 | $167,000 |
$70,000 | $190,000 |
| Home Purchase |
32 | $3,232,000 |
$101,000 | $310,000 |
$67,000 | $247,000 |
| Refinancing |
48 | $3,922,000 |
$81,000 | $800,000 |
$74,000 | $397,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
6 | $176,000 |
$29,000 | $69,000 |
$68,000 | $130,000 |
| Hispanic |
8 | $150,000 |
$18,000 | $37,000 |
$45,000 | $115,000 |
| 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 |
155 | $9,683,000 |
$62,000 | $800,000 |
$72,000 | $397,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
169 | $10,009,000 |
$59,000 | $800,000 |
$71,000 | $397,000 |
| 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 |
8 | $710,000 |
$88,000 | $178,000 |
$58,000 | $140,000 |
| Application Denied By Financial Institution |
22 | $569,000 |
$25,000 | $167,000 |
$44,000 | $79,000 |
| Application Withdrawn By Applicant |
3 | $824,000 |
$274,000 | $368,000 |
$120,000 | $230,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
136 | $7,906,000 |
$58,000 | $800,000 |
$75,000 | $397,000 |
| 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 |
3 | $171,000 |
$57,000 | $128,000 |
$52,000 | $79,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $72,000 |
$9,000 | $38,000 |
$44,000 | $75,000 |
| Debt-To-Income Ratio |
9 | $301,000 |
$33,000 | $167,000 |
$46,000 | $67,000 |
| Employment History |
2 | $25,000 |
$12,000 | $20,000 |
$28,000 | $28,000 |
| 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 PENNSVILLE NATIONAL BANK by:
Metropolitan Area And
County
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