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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 FIRST NATIONAL BANK OF MIF
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FIRST NATIONAL BANK OF MIF |
| Address | 2 NORTH MAIN STREET, PO BOX 96
MIFFLINTOWN, PA 17059 |
| 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 | 466 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $34,276,000 |
| Average Mortgage Loan Amount Applied For | $103,833 |
| Highest Mortgage Loan Amount Applied For | $372,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $263,000 |
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| Home Improvement |
142 | $5,913,000 |
$41,000 | $327,000 |
$54,000 | $179,000 |
| Home Purchase |
143 | $15,395,000 |
$107,000 | $342,000 |
$53,000 | $232,000 |
| Refinancing |
182 | $13,038,000 |
$71,000 | $372,000 |
$58,000 | $263,000 |
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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 | $230,000 |
$115,000 | $220,000 |
$22,000 | $33,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $130,000 |
$130,000 | $130,000 |
$82,000 | $82,000 |
| White |
464 | $33,986,000 |
$73,000 | $372,000 |
$55,000 | $263,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
467 | $34,346,000 |
$73,000 | $372,000 |
$55,000 | $263,000 |
| 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 |
9 | $727,000 |
$80,000 | $127,000 |
$38,000 | $79,000 |
| Application Denied By Financial Institution |
36 | $2,797,000 |
$77,000 | $220,000 |
$41,000 | $71,000 |
| Application Withdrawn By Applicant |
25 | $1,945,000 |
$77,000 | $215,000 |
$57,000 | $127,000 |
| File Closed For Incompleteness |
1 | $185,000 |
$185,000 | $185,000 |
$91,000 | $91,000 |
| Loan Originated |
396 | $28,692,000 |
$72,000 | $372,000 |
$56,000 | $263,000 |
| 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 |
6 | $280,000 |
$46,000 | $120,000 |
$50,000 | $68,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
24 | $1,730,000 |
$72,000 | $168,000 |
$36,000 | $71,000 |
| Debt-To-Income Ratio |
5 | $567,000 |
$113,000 | $165,000 |
$57,000 | $70,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $220,000 |
$220,000 | $220,000 |
$33,000 | $33,000 |
| 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 MIF by:
Metropolitan Area And
County
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