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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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PHOENIXVILLE FEDERAL BANK & TR
Mortgage Loans and Application Details
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| Mortgage Company Name |
PHOENIXVILLE FEDERAL BANK & TR |
| Address | 564 NUTT ROAD (RT. 23), P.O. BOX 629
PHOENIXVILLE, PA 19460 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 297 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,192,000 |
| Average Mortgage Loan Amount Applied For | $142,500 |
| Highest Mortgage Loan Amount Applied For | $1,010,000 |
| Average Applicant Income | $116,833 |
| Highest Applicant Income | $819,000 |
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| Home Improvement |
105 | $5,868,000 |
$55,000 | $352,000 |
$88,000 | $459,000 |
| Home Purchase |
98 | $20,196,000 |
$206,000 | $608,000 |
$102,000 | $637,000 |
| Refinancing |
116 | $15,115,000 |
$130,000 | $1,010,000 |
$87,000 | $819,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $771,000 |
$257,000 | $333,000 |
$50,000 | $78,000 |
| Black or African American |
2 | $328,000 |
$164,000 | $200,000 |
$68,000 | $74,000 |
| Hispanic |
1 | $420,000 |
$420,000 | $420,000 |
$40,000 | $40,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $1,718,000 |
$343,000 | $608,000 |
$0 | $0 |
| Not Provided |
3 | $1,132,000 |
$377,000 | $572,000 |
$147,000 | $210,000 |
| White |
305 | $36,810,000 |
$120,000 | $1,010,000 |
$94,000 | $819,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
319 | $41,179,000 |
$129,000 | $1,010,000 |
$92,000 | $819,000 |
| 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 |
11 | $2,188,000 |
$198,000 | $535,000 |
$150,000 | $337,000 |
| Application Denied By Financial Institution |
19 | $2,054,000 |
$108,000 | $400,000 |
$62,000 | $210,000 |
| Application Withdrawn By Applicant |
10 | $2,227,000 |
$222,000 | $420,000 |
$67,000 | $124,000 |
| File Closed For Incompleteness |
2 | $60,000 |
$30,000 | $35,000 |
$108,000 | $137,000 |
| Loan Originated |
259 | $30,913,000 |
$119,000 | $1,010,000 |
$93,000 | $819,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
14 | $3,095,000 |
$221,000 | $572,000 |
$90,000 | $181,000 |
| Preapproval Denied by Financial Institution |
4 | $642,000 |
$160,000 | $238,000 |
$48,000 | $88,000 |
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| Collateral |
1 | $50,000 |
$50,000 | $50,000 |
$87,000 | $87,000 |
| Credit Application Incomplete |
5 | $948,000 |
$189,000 | $400,000 |
$96,000 | $210,000 |
| Credit History |
7 | $626,000 |
$89,000 | $224,000 |
$56,000 | $110,000 |
| Debt-To-Income Ratio |
10 | $1,072,000 |
$107,000 | $243,000 |
$42,000 | $61,000 |
| 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 PHOENIXVILLE FEDERAL BANK & TR by:
Metropolitan Area And
County
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