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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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WILBER NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WILBER NATIONAL BANK |
| Address | 245 MAIN STREET PO BOX 430
ONEONTA, NY 13820 |
| 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 | 464 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,764,000 |
| Average Mortgage Loan Amount Applied For | $379,750 |
| Highest Mortgage Loan Amount Applied For | $2,600,000 |
| Average Applicant Income | $46,062 |
| Highest Applicant Income | $884,000 |
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| Home Improvement |
257 | $7,944,000 |
$30,000 | $1,000,000 |
$50,000 | $504,000 |
| Home Purchase |
128 | $19,372,000 |
$151,000 | $2,600,000 |
$53,000 | $276,000 |
| Refinancing |
86 | $10,251,000 |
$119,000 | $1,400,000 |
$62,000 | $884,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $174,000 |
$43,000 | $90,000 |
$36,000 | $94,000 |
| Black or African American |
6 | $652,000 |
$108,000 | $240,000 |
$24,000 | $76,000 |
| Hispanic |
6 | $285,000 |
$47,000 | $100,000 |
$52,000 | $121,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $4,000 |
$4,000 | $4,000 |
$67,000 | $67,000 |
| Not applicable |
15 | $8,192,000 |
$546,000 | $2,600,000 |
$0 | $0 |
| Not Provided |
6 | $425,000 |
$70,000 | $188,000 |
$70,000 | $145,000 |
| White |
433 | $27,835,000 |
$64,000 | $1,000,000 |
$55,000 | $884,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
471 | $37,567,000 |
$79,000 | $2,600,000 |
$53,000 | $884,000 |
| 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 |
33 | $5,169,000 |
$156,000 | $1,265,000 |
$50,000 | $257,000 |
| Application Denied By Financial Institution |
118 | $8,507,000 |
$72,000 | $1,000,000 |
$40,000 | $145,000 |
| Application Withdrawn By Applicant |
23 | $2,662,000 |
$115,000 | $335,000 |
$59,000 | $200,000 |
| File Closed For Incompleteness |
3 | $2,860,000 |
$953,000 | $2,600,000 |
$31,000 | $77,000 |
| Loan Originated |
290 | $17,714,000 |
$61,000 | $1,400,000 |
$57,000 | $884,000 |
| 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 |
4 | $655,000 |
$163,000 | $325,000 |
$88,000 | $120,000 |
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| Collateral |
13 | $1,910,000 |
$146,000 | $858,000 |
$40,000 | $133,000 |
| Credit Application Incomplete |
2 | $1,132,000 |
$566,000 | $1,000,000 |
$27,000 | $54,000 |
| Credit History |
60 | $2,063,000 |
$34,000 | $225,000 |
$39,000 | $145,000 |
| Debt-To-Income Ratio |
41 | $3,641,000 |
$88,000 | $373,000 |
$42,000 | $131,000 |
| Employment History |
1 | $40,000 |
$40,000 | $40,000 |
$69,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $101,000 |
$50,000 | $70,000 |
$62,000 | $92,000 |
| Unverifiable Information |
3 | $275,000 |
$91,000 | $200,000 |
$76,000 | $100,000 |
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Mortgage Loan App Totals for WILBER NATIONAL BANK by:
Metropolitan Area And
County
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