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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 FARMERS NATIONAL BANK OF E
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FARMERS NATIONAL BANK OF E |
| Address | 612 MAIN STREET, PO DRAWER D
EMLENTON, PA 16373 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 144 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,111,000 |
| Average Mortgage Loan Amount Applied For | $79,333 |
| Highest Mortgage Loan Amount Applied For | $260,000 |
| Average Applicant Income | $56,333 |
| Highest Applicant Income | $248,000 |
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| Home Improvement |
241 | $6,988,000 |
$28,000 | $224,000 |
$54,000 | $248,000 |
| Home Purchase |
255 | $20,061,000 |
$78,000 | $550,000 |
$69,000 | $333,000 |
| Refinancing |
201 | $13,511,000 |
$67,000 | $488,000 |
$53,000 | $213,000 |
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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 |
1 | $60,000 |
$60,000 | $60,000 |
$29,000 | $29,000 |
| Hispanic |
3 | $313,000 |
$104,000 | $180,000 |
$111,000 | $144,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $410,000 |
$205,000 | $350,000 |
$7,000 | $15,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
691 | $39,777,000 |
$57,000 | $550,000 |
$59,000 | $333,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
696 | $40,491,000 |
$58,000 | $550,000 |
$59,000 | $333,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $69,000 |
$69,000 | $69,000 |
$43,000 | $43,000 |
| 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 |
57 | $3,608,000 |
$63,000 | $550,000 |
$33,000 | $109,000 |
| Application Withdrawn By Applicant |
71 | $5,773,000 |
$81,000 | $260,000 |
$53,000 | $333,000 |
| File Closed For Incompleteness |
1 | $11,000 |
$11,000 | $11,000 |
$20,000 | $20,000 |
| Loan Originated |
568 | $31,168,000 |
$54,000 | $540,000 |
$63,000 | $333,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
43 | $1,616,000 |
$37,000 | $160,000 |
$30,000 | $87,000 |
| Debt-To-Income Ratio |
12 | $1,530,000 |
$127,000 | $550,000 |
$44,000 | $109,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $350,000 |
$350,000 | $350,000 |
$15,000 | $15,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $112,000 |
$112,000 | $112,000 |
$70,000 | $70,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE FARMERS NATIONAL BANK OF E by:
Metropolitan Area And
County
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