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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 JUNIATA VALLEY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE JUNIATA VALLEY BANK |
| Address | BRIDGE & MAIN STREETS, P.O. BOX 66
MIFFLINTOWN, PA 17059 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 568 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $43,589,000 |
| Average Mortgage Loan Amount Applied For | $105,312 |
| Highest Mortgage Loan Amount Applied For | $610,000 |
| Average Applicant Income | $85,875 |
| Highest Applicant Income | $408,000 |
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| Home Improvement |
124 | $4,535,000 |
$36,000 | $188,000 |
$53,000 | $206,000 |
| Home Purchase |
214 | $22,143,000 |
$103,000 | $610,000 |
$71,000 | $408,000 |
| Refinancing |
230 | $16,911,000 |
$73,000 | $548,000 |
$57,000 | $292,000 |
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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 |
2 | $96,000 |
$48,000 | $56,000 |
$51,000 | $56,000 |
| Hispanic |
1 | $36,000 |
$36,000 | $36,000 |
$41,000 | $41,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
17 | $2,319,000 |
$136,000 | $450,000 |
$0 | $0 |
| Not Provided |
1 | $80,000 |
$80,000 | $80,000 |
$30,000 | $30,000 |
| White |
547 | $41,058,000 |
$75,000 | $610,000 |
$64,000 | $408,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
568 | $43,589,000 |
$76,000 | $610,000 |
$62,000 | $408,000 |
| 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 |
11 | $607,000 |
$55,000 | $107,000 |
$35,000 | $63,000 |
| Application Withdrawn By Applicant |
1 | $67,000 |
$67,000 | $67,000 |
$27,000 | $27,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
556 | $42,915,000 |
$77,000 | $610,000 |
$62,000 | $408,000 |
| 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 |
1 | $107,000 |
$107,000 | $107,000 |
$63,000 | $63,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $380,000 |
$47,000 | $90,000 |
$36,000 | $60,000 |
| Debt-To-Income Ratio |
2 | $120,000 |
$60,000 | $105,000 |
$18,000 | $29,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE JUNIATA VALLEY BANK by:
Metropolitan Area And
County
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