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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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SKYLANDS COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SKYLANDS COMMUNITY BANK |
| Address | 3975 TOWNSHIP LINE ROAD
BETHLEHEM, PA 18020 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 295 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $60,587,000 |
| Average Mortgage Loan Amount Applied For | $279,950 |
| Highest Mortgage Loan Amount Applied For | $1,495,000 |
| Average Applicant Income | $213,650 |
| Highest Applicant Income | $1,640,000 |
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| Home Improvement |
64 | $4,343,000 |
$67,000 | $500,000 |
$77,000 | $357,000 |
| Home Purchase |
88 | $23,752,000 |
$269,000 | $1,495,000 |
$136,000 | $1,640,000 |
| Refinancing |
147 | $32,843,000 |
$223,000 | $1,087,000 |
$102,000 | $1,500,000 |
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| American Indian or Alaskan Native |
1 | $62,000 |
$62,000 | $62,000 |
$75,000 | $75,000 |
| Asian |
3 | $1,096,000 |
$365,000 | $687,000 |
$98,000 | $165,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
11 | $2,000,000 |
$181,000 | $417,000 |
$82,000 | $207,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $2,878,000 |
$359,000 | $600,000 |
$0 | $0 |
| Not Provided |
22 | $5,104,000 |
$232,000 | $740,000 |
$85,000 | $349,000 |
| White |
254 | $49,798,000 |
$196,000 | $1,495,000 |
$113,000 | $1,640,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
298 | $60,880,000 |
$204,000 | $1,495,000 |
$107,000 | $1,640,000 |
| FHA-insured (Federal Housing Administration) |
1 | $58,000 |
$58,000 | $58,000 |
$32,000 | $32,000 |
| 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 |
12 | $5,018,000 |
$418,000 | $1,495,000 |
$232,000 | $1,640,000 |
| Application Denied By Financial Institution |
19 | $3,171,000 |
$166,000 | $1,087,000 |
$69,000 | $287,000 |
| Application Withdrawn By Applicant |
19 | $4,846,000 |
$255,000 | $1,000,000 |
$76,000 | $259,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
245 | $47,552,000 |
$194,000 | $950,000 |
$107,000 | $1,500,000 |
| 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 |
4 | $351,000 |
$87,000 | $103,000 |
$30,000 | $57,000 |
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| Collateral |
4 | $729,000 |
$182,000 | $365,000 |
$67,000 | $123,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $1,088,000 |
$120,000 | $216,000 |
$54,000 | $135,000 |
| Debt-To-Income Ratio |
7 | $478,000 |
$68,000 | $268,000 |
$44,000 | $77,000 |
| 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 |
3 | $1,227,000 |
$409,000 | $1,087,000 |
$122,000 | $287,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SKYLANDS COMMUNITY BANK by:
Metropolitan Area And
County
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