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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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ROCK BRANCH COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ROCK BRANCH COMMUNITY BANK |
| Address | 4650 FIRST AVENUE
NITRO, WV 25143 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 163 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,697,000 |
| Average Mortgage Loan Amount Applied For | $76,625 |
| Highest Mortgage Loan Amount Applied For | $275,000 |
| Average Applicant Income | $103,750 |
| Highest Applicant Income | $2,192,000 |
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| Home Improvement |
4 | $188,000 |
$47,000 | $63,000 |
$48,000 | $80,000 |
| Home Purchase |
149 | $11,179,000 |
$75,000 | $275,000 |
$80,000 | $2,192,000 |
| Refinancing |
33 | $2,488,000 |
$75,000 | $242,000 |
$57,000 | $278,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $100,000 |
$50,000 | $52,000 |
$35,000 | $54,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
184 | $13,755,000 |
$74,000 | $275,000 |
$76,000 | $2,192,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
186 | $13,855,000 |
$74,000 | $275,000 |
$75,000 | $2,192,000 |
| 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 |
28 | $1,329,000 |
$47,000 | $160,000 |
$32,000 | $72,000 |
| Application Withdrawn By Applicant |
19 | $1,066,000 |
$56,000 | $180,000 |
$123,000 | $1,600,000 |
| File Closed For Incompleteness |
1 | $25,000 |
$25,000 | $25,000 |
$53,000 | $53,000 |
| Loan Originated |
138 | $11,435,000 |
$82,000 | $275,000 |
$78,000 | $2,192,000 |
| 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 | $10,000 |
$10,000 | $10,000 |
$14,000 | $14,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $606,000 |
$46,000 | $87,000 |
$32,000 | $58,000 |
| Debt-To-Income Ratio |
6 | $415,000 |
$69,000 | $160,000 |
$32,000 | $72,000 |
| 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 | $35,000 |
$35,000 | $35,000 |
$31,000 | $31,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ROCK BRANCH COMMUNITY BANK by:
Metropolitan Area And
County
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