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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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PREMIER BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PREMIER BANK |
| Address | 3975 TOWNSHIP LINE ROAD
BETHLEHEM, PA 18020 |
| Agency | Federal Reserve System (FRS) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 179 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,776,000 |
| Average Mortgage Loan Amount Applied For | $340,750 |
| Highest Mortgage Loan Amount Applied For | $1,420,000 |
| Average Applicant Income | $85,125 |
| Highest Applicant Income | $548,000 |
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| Home Improvement |
34 | $2,030,000 |
$59,000 | $700,000 |
$45,000 | $154,000 |
| Home Purchase |
73 | $17,179,000 |
$305,666 | $1,400,000 |
$91,333 | $481,000 |
| Refinancing |
73 | $17,636,000 |
$291,500 | $1,420,000 |
$161,000 | $548,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $290,000 |
$145,000 | $260,000 |
$20,000 | $40,000 |
| Black or African American |
3 | $399,000 |
$117,000 | $300,000 |
$43,500 | $82,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
2 | $149,000 |
$74,000 | $132,000 |
$207,000 | $223,000 |
| Not applicable |
27 | $8,228,000 |
$831,000 | $1,420,000 |
$0 | $0 |
| Not Provided |
3 | $410,000 |
$133,500 | $191,000 |
$88,000 | $138,000 |
| White |
143 | $27,369,000 |
$343,000 | $1,250,000 |
$134,000 | $548,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
180 | $36,845,000 |
$276,333 | $1,420,000 |
$101,000 | $548,000 |
| 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 |
6 | $1,210,000 |
$201,000 | $620,000 |
$104,000 | $146,000 |
| Application Denied By Financial Institution |
17 | $2,751,000 |
$251,000 | $612,000 |
$88,500 | $180,000 |
| Application Withdrawn By Applicant |
10 | $2,532,000 |
$433,500 | $1,250,000 |
$107,500 | $253,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
146 | $30,283,000 |
$394,500 | $1,420,000 |
$119,500 | $548,000 |
| 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 |
1 | $69,000 |
$69,000 | $69,000 |
$82,000 | $82,000 |
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| Collateral |
2 | $226,000 |
$113,000 | $196,000 |
$5,000 | $10,000 |
| Credit Application Incomplete |
2 | $524,000 |
$262,000 | $300,000 |
$122,000 | $156,000 |
| Credit History |
10 | $1,095,000 |
$102,000 | $300,000 |
$62,000 | $82,000 |
| Debt-To-Income Ratio |
4 | $975,000 |
$366,500 | $612,000 |
$125,500 | $180,000 |
| 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 PREMIER BANK by:
Metropolitan Area And
County
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