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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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WNB BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WNB BANK |
| Address | 329 PINE ST
WILLIAMSPORT, PA 17701 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 354 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $21,346,000 |
| Average Mortgage Loan Amount Applied For | $73,090 |
| Highest Mortgage Loan Amount Applied For | $420,000 |
| Average Applicant Income | $84,727 |
| Highest Applicant Income | $581,000 |
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| Home Improvement |
115 | $2,789,000 |
$24,000 | $210,000 |
$38,000 | $138,000 |
| Home Purchase |
136 | $11,442,000 |
$84,000 | $420,000 |
$84,000 | $581,000 |
| Refinancing |
103 | $7,115,000 |
$69,000 | $341,000 |
$55,000 | $201,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $30,000 |
$30,000 | $30,000 |
$17,000 | $17,000 |
| Black or African American |
10 | $587,000 |
$58,000 | $162,000 |
$34,000 | $70,000 |
| Hispanic |
1 | $128,000 |
$128,000 | $128,000 |
$35,000 | $35,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $602,000 |
$150,000 | $355,000 |
$0 | $0 |
| Not Provided |
5 | $543,000 |
$108,000 | $390,000 |
$55,000 | $129,000 |
| White |
333 | $19,456,000 |
$58,000 | $420,000 |
$72,000 | $581,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
354 | $21,346,000 |
$60,000 | $420,000 |
$62,000 | $581,000 |
| 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 |
13 | $578,000 |
$44,000 | $100,000 |
$55,000 | $138,000 |
| Application Denied By Financial Institution |
56 | $2,453,000 |
$43,000 | $390,000 |
$44,000 | $129,000 |
| Application Withdrawn By Applicant |
4 | $295,000 |
$73,000 | $189,000 |
$38,000 | $84,000 |
| File Closed For Incompleteness |
1 | $25,000 |
$25,000 | $25,000 |
$0 | $0 |
| Loan Originated |
280 | $17,995,000 |
$64,000 | $420,000 |
$79,000 | $581,000 |
| 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 WNB BANK by:
Metropolitan Area And
County
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