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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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TOMPKINS TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
TOMPKINS TRUST COMPANY |
| Address | P.O. BOX 460, THE COMMONS
ITHACA, NY 14851 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 586 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $69,805,000 |
| Average Mortgage Loan Amount Applied For | $150,333 |
| Highest Mortgage Loan Amount Applied For | $4,900,000 |
| Average Applicant Income | $134,500 |
| Highest Applicant Income | $972,000 |
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| Home Improvement |
146 | $5,628,000 |
$38,000 | $1,500,000 |
$66,000 | $324,000 |
| Home Purchase |
269 | $37,028,000 |
$137,000 | $752,000 |
$80,000 | $465,000 |
| Refinancing |
171 | $27,149,000 |
$158,000 | $4,900,000 |
$87,000 | $972,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
15 | $3,035,000 |
$202,000 | $428,000 |
$117,000 | $371,000 |
| Black or African American |
10 | $1,038,000 |
$103,000 | $171,000 |
$72,000 | $313,000 |
| Hispanic |
9 | $811,000 |
$90,000 | $167,000 |
$61,000 | $132,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $1,857,000 |
$265,000 | $675,000 |
$39,000 | $156,000 |
| Not Provided |
14 | $1,896,000 |
$135,000 | $371,000 |
$76,000 | $160,000 |
| White |
531 | $61,168,000 |
$115,000 | $4,900,000 |
$79,000 | $972,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
586 | $69,805,000 |
$119,000 | $4,900,000 |
$79,000 | $972,000 |
| 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 |
3 | $394,000 |
$131,000 | $160,000 |
$54,000 | $79,000 |
| Application Denied By Financial Institution |
38 | $1,511,000 |
$39,000 | $200,000 |
$47,000 | $276,000 |
| Application Withdrawn By Applicant |
23 | $3,787,000 |
$164,000 | $428,000 |
$106,000 | $357,000 |
| File Closed For Incompleteness |
4 | $450,000 |
$112,000 | $218,000 |
$73,000 | $197,000 |
| Loan Originated |
518 | $63,663,000 |
$122,000 | $4,900,000 |
$80,000 | $972,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 TOMPKINS TRUST COMPANY by:
Metropolitan Area And
County
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