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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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PEOPLES COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES COMMUNITY BANK |
| Address | 300 SUNSET DRIVE
JOHNSON CITY, TN 37604 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2004 |
| Total Number of Mortgage Loan Applications Processed | 339 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,937,000 |
| Average Mortgage Loan Amount Applied For | $119,000 |
| Highest Mortgage Loan Amount Applied For | $1,215,000 |
| Average Applicant Income | $76,200 |
| Highest Applicant Income | $384,000 |
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| Home Improvement |
19 | $144,000 |
$7,000 | $35,000 |
$49,000 | $114,000 |
| Home Purchase |
163 | $19,814,000 |
$123,666 | $1,215,000 |
$83,666 | $384,000 |
| Refinancing |
157 | $16,979,000 |
$128,400 | $597,000 |
$98,400 | $375,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $321,000 |
$107,000 | $120,000 |
$36,000 | $53,000 |
| Black or African American |
6 | $544,000 |
$90,000 | $251,000 |
$45,000 | $74,000 |
| Hispanic |
2 | $101,000 |
$50,000 | $90,000 |
$36,000 | $38,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $594,000 |
$223,500 | $300,000 |
$191,500 | $345,000 |
| Not applicable |
2 | $746,000 |
$373,000 | $440,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
323 | $34,631,000 |
$112,000 | $1,215,000 |
$99,800 | $384,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
334 | $36,370,000 |
$121,200 | $1,215,000 |
$114,200 | $384,000 |
| FHA-insured (Federal Housing Administration) |
1 | $75,000 |
$75,000 | $75,000 |
$50,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
4 | $492,000 |
$123,000 | $147,000 |
$66,000 | $90,000 |
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| Application Approved But Not Accepted |
21 | $1,815,000 |
$64,000 | $270,000 |
$34,500 | $104,000 |
| Application Denied By Financial Institution |
55 | $4,112,000 |
$102,500 | $269,000 |
$98,750 | $286,000 |
| Application Withdrawn By Applicant |
31 | $4,472,000 |
$140,000 | $1,215,000 |
$40,000 | $266,000 |
| File Closed For Incompleteness |
4 | $344,000 |
$86,000 | $92,000 |
$33,000 | $44,000 |
| Loan Originated |
228 | $26,194,000 |
$120,750 | $597,000 |
$88,000 | $384,000 |
| 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 |
10 | $875,000 |
$105,500 | $269,000 |
$43,500 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
29 | $1,860,000 |
$57,000 | $178,000 |
$30,500 | $91,000 |
| Debt-To-Income Ratio |
13 | $1,062,000 |
$117,500 | $190,000 |
$156,500 | $286,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $104,000 |
$104,000 | $104,000 |
$27,000 | $27,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
2 | $211,000 |
$105,000 | $116,000 |
$82,000 | $103,000 |
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Mortgage Loan App Totals for PEOPLES COMMUNITY BANK by:
Metropolitan Area And
County
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