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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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THE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE 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 | 1,156 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $125,169,000 |
| Average Mortgage Loan Amount Applied For | $235,125 |
| Highest Mortgage Loan Amount Applied For | $4,600,000 |
| Average Applicant Income | $140,937 |
| Highest Applicant Income | $9,999,000 |
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| Home Improvement |
520 | $19,316,000 |
$37,000 | $400,000 |
$74,000 | $788,000 |
| Home Purchase |
220 | $52,776,000 |
$239,000 | $4,600,000 |
$136,000 | $9,999,000 |
| Refinancing |
418 | $53,607,000 |
$128,000 | $1,300,000 |
$94,000 | $1,005,000 |
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| American Indian or Alaskan Native |
2 | $153,000 |
$76,000 | $133,000 |
$65,000 | $91,000 |
| Asian |
15 | $2,912,000 |
$194,000 | $880,000 |
$80,000 | $326,000 |
| Black or African American |
50 | $2,880,000 |
$57,000 | $356,000 |
$62,000 | $212,000 |
| Hispanic |
14 | $598,000 |
$42,000 | $107,000 |
$83,000 | $186,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $125,000 |
$125,000 | $125,000 |
$122,000 | $122,000 |
| Not applicable |
17 | $12,315,000 |
$724,000 | $4,600,000 |
$0 | $0 |
| Not Provided |
49 | $4,121,000 |
$84,000 | $498,000 |
$53,000 | $162,000 |
| White |
1,010 | $102,595,000 |
$101,000 | $1,840,000 |
$99,000 | $9,999,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,152 | $124,456,000 |
$108,000 | $4,600,000 |
$93,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) |
6 | $1,243,000 |
$207,000 | $275,000 |
$82,000 | $143,000 |
| 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 |
33 | $2,192,000 |
$66,000 | $265,000 |
$109,000 | $351,000 |
| Application Denied By Financial Institution |
177 | $10,666,000 |
$60,000 | $600,000 |
$54,000 | $245,000 |
| Application Withdrawn By Applicant |
70 | $16,323,000 |
$233,000 | $1,840,000 |
$92,000 | $683,000 |
| File Closed For Incompleteness |
10 | $1,551,000 |
$155,000 | $329,000 |
$65,000 | $134,000 |
| Loan Originated |
866 | $94,437,000 |
$109,000 | $4,600,000 |
$101,000 | $9,999,000 |
| 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 |
2 | $530,000 |
$265,000 | $275,000 |
$102,000 | $143,000 |
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| Collateral |
21 | $2,196,000 |
$104,000 | $410,000 |
$71,000 | $204,000 |
| Credit Application Incomplete |
4 | $939,000 |
$234,000 | $600,000 |
$84,000 | $150,000 |
| Credit History |
69 | $2,805,000 |
$40,000 | $275,000 |
$56,000 | $204,000 |
| Debt-To-Income Ratio |
76 | $4,369,000 |
$57,000 | $515,000 |
$47,000 | $245,000 |
| Employment History |
2 | $190,000 |
$95,000 | $175,000 |
$56,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $267,000 |
$66,000 | $172,000 |
$59,000 | $123,000 |
| Unverifiable Information |
3 | $430,000 |
$143,000 | $360,000 |
$58,000 | $115,000 |
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Mortgage Loan App Totals for THE BANK by:
Metropolitan Area And
County
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