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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 | PO BOX 306
MONTROSS, VA 22520 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 142 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,158,000 |
| Average Mortgage Loan Amount Applied For | $131,769 |
| Highest Mortgage Loan Amount Applied For | $643,000 |
| Average Applicant Income | $102,384 |
| Highest Applicant Income | $385,000 |
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| Home Improvement |
49 | $1,815,000 |
$37,000 | $240,000 |
$64,000 | $191,000 |
| Home Purchase |
37 | $7,101,000 |
$191,000 | $643,000 |
$115,000 | $385,000 |
| Refinancing |
57 | $5,248,000 |
$92,000 | $575,000 |
$65,000 | $294,000 |
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| American Indian or Alaskan Native |
1 | $367,000 |
$367,000 | $367,000 |
$117,000 | $117,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
25 | $880,000 |
$35,000 | $145,000 |
$50,000 | $192,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $1,068,000 |
$267,000 | $500,000 |
$0 | $0 |
| Not Provided |
4 | $294,000 |
$73,000 | $225,000 |
$69,000 | $114,000 |
| White |
109 | $11,555,000 |
$106,000 | $643,000 |
$87,000 | $385,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
143 | $14,164,000 |
$99,000 | $643,000 |
$77,000 | $385,000 |
| 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 |
15 | $960,000 |
$64,000 | $250,000 |
$46,000 | $101,000 |
| Application Withdrawn By Applicant |
5 | $810,000 |
$162,000 | $425,000 |
$54,000 | $90,000 |
| File Closed For Incompleteness |
1 | $60,000 |
$60,000 | $60,000 |
$0 | $0 |
| Loan Originated |
122 | $12,334,000 |
$101,000 | $643,000 |
$83,000 | $385,000 |
| 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 | $13,000 |
$13,000 | $13,000 |
$35,000 | $35,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $463,000 |
$57,000 | $250,000 |
$46,000 | $101,000 |
| Debt-To-Income Ratio |
5 | $467,000 |
$93,000 | $200,000 |
$52,000 | $84,000 |
| 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 |
1 | $17,000 |
$17,000 | $17,000 |
$25,000 | $25,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PEOPLES COMMUNITY BANK by:
Metropolitan Area And
County
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