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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 NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES NATIONAL BANK |
| Address | 50 MAIN STREET
HALLSTEAD, PA 18822 |
| 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 | 371 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,617,000 |
| Average Mortgage Loan Amount Applied For | $85,100 |
| Highest Mortgage Loan Amount Applied For | $430,000 |
| Average Applicant Income | $75,300 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
100 | $5,852,000 |
$58,000 | $380,000 |
$58,000 | $214,000 |
| Home Purchase |
175 | $15,096,000 |
$86,000 | $430,000 |
$74,000 | $1,000,000 |
| Refinancing |
96 | $7,669,000 |
$79,000 | $380,000 |
$54,000 | $161,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $204,000 |
$68,000 | $126,000 |
$52,000 | $75,000 |
| Black or African American |
2 | $186,000 |
$93,000 | $136,000 |
$142,000 | $206,000 |
| Hispanic |
1 | $10,000 |
$10,000 | $10,000 |
$19,000 | $19,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $190,000 |
$95,000 | $104,000 |
$1,000,000 | $1,000,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
363 | $28,027,000 |
$77,000 | $430,000 |
$59,000 | $423,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
371 | $28,617,000 |
$77,000 | $430,000 |
$64,000 | $1,000,000 |
| 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 |
41 | $3,214,000 |
$78,000 | $351,000 |
$44,000 | $135,000 |
| Application Withdrawn By Applicant |
22 | $1,681,000 |
$76,000 | $380,000 |
$73,000 | $255,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
308 | $23,722,000 |
$77,000 | $430,000 |
$66,000 | $1,000,000 |
| 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 |
5 | $500,000 |
$100,000 | $170,000 |
$48,000 | $53,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
23 | $1,262,000 |
$54,000 | $150,000 |
$42,000 | $96,000 |
| Debt-To-Income Ratio |
12 | $1,324,000 |
$110,000 | $351,000 |
$43,000 | $135,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $128,000 |
$128,000 | $128,000 |
$86,000 | $86,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PEOPLES NATIONAL BANK by:
Metropolitan Area And
County
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