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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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WOODLANDS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WOODLANDS BANK |
| Address | 2450 EAST THIRD ST
WILLIAMSPORT, PA 17701 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 531 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $42,325,000 |
| Average Mortgage Loan Amount Applied For | $79,000 |
| Highest Mortgage Loan Amount Applied For | $5,600,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $796,000 |
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| Home Improvement |
167 | $5,854,000 |
$35,000 | $350,000 |
$49,000 | $189,000 |
| Home Purchase |
218 | $27,372,000 |
$125,000 | $5,600,000 |
$70,000 | $796,000 |
| Refinancing |
183 | $12,970,000 |
$70,000 | $640,000 |
$62,000 | $420,000 |
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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 |
1 | $5,000 |
$5,000 | $5,000 |
$96,000 | $96,000 |
| Hispanic |
2 | $147,000 |
$73,000 | $87,000 |
$53,000 | $54,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
16 | $8,025,000 |
$501,000 | $5,600,000 |
$49,000 | $796,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
549 | $38,019,000 |
$69,000 | $460,000 |
$61,000 | $681,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
568 | $46,196,000 |
$81,000 | $5,600,000 |
$61,000 | $796,000 |
| 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 |
23 | $2,336,000 |
$101,000 | $640,000 |
$57,000 | $142,000 |
| Application Denied By Financial Institution |
76 | $4,147,000 |
$54,000 | $225,000 |
$43,000 | $123,000 |
| Application Withdrawn By Applicant |
17 | $7,236,000 |
$425,000 | $5,600,000 |
$52,000 | $96,000 |
| File Closed For Incompleteness |
4 | $251,000 |
$62,000 | $120,000 |
$54,000 | $84,000 |
| Loan Originated |
446 | $31,649,000 |
$70,000 | $460,000 |
$65,000 | $796,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $408,000 |
$408,000 | $408,000 |
$52,000 | $52,000 |
| Preapproval Denied by Financial Institution |
1 | $169,000 |
$169,000 | $169,000 |
$32,000 | $32,000 |
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| Collateral |
1 | $99,000 |
$99,000 | $99,000 |
$54,000 | $54,000 |
| 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 WOODLANDS BANK by:
Metropolitan Area And
County
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