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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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THE FIRST NATIONAL BANK OF MCC
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FIRST NATIONAL BANK OF MCC |
| Address | 101 LINCOLN WAY WEST
MCCONNELLSBURG, PA 17233 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 241 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $41,772,000 |
| Average Mortgage Loan Amount Applied For | $125,000 |
| Highest Mortgage Loan Amount Applied For | $15,000,000 |
| Average Applicant Income | $69,461 |
| Highest Applicant Income | $325,000 |
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| Home Improvement |
49 | $1,233,000 |
$25,000 | $366,000 |
$59,000 | $194,000 |
| Home Purchase |
115 | $32,489,000 |
$282,000 | $15,000,000 |
$68,000 | $325,000 |
| Refinancing |
77 | $8,050,000 |
$104,000 | $395,000 |
$60,000 | $178,000 |
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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 | $212,000 |
$212,000 | $212,000 |
$62,000 | $62,000 |
| Hispanic |
2 | $230,000 |
$115,000 | $117,000 |
$65,000 | $89,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $16,340,000 |
$2,723,000 | $15,000,000 |
$182,000 | $325,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
232 | $24,990,000 |
$107,000 | $600,000 |
$61,000 | $264,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
241 | $41,772,000 |
$173,000 | $15,000,000 |
$64,000 | $325,000 |
| 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 |
24 | $2,733,000 |
$113,000 | $350,000 |
$48,000 | $154,000 |
| Application Withdrawn By Applicant |
12 | $16,589,000 |
$1,382,000 | $15,000,000 |
$79,000 | $325,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
205 | $22,450,000 |
$109,000 | $600,000 |
$65,000 | $264,000 |
| 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 |
15 | $1,497,000 |
$99,000 | $212,000 |
$43,000 | $87,000 |
| Debt-To-Income Ratio |
8 | $1,161,000 |
$145,000 | $350,000 |
$54,000 | $154,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $75,000 |
$75,000 | $75,000 |
$72,000 | $72,000 |
| 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 THE FIRST NATIONAL BANK OF MCC by:
Metropolitan Area And
County
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