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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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YARDVILLE NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
YARDVILLE NATIONAL BANK |
| Address | 2445 KUSER ROAD, SUITE 301
HAMILTON, NJ 08690 |
| 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 | 504 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $63,882,000 |
| Average Mortgage Loan Amount Applied For | $175,950 |
| Highest Mortgage Loan Amount Applied For | $1,113,000 |
| Average Applicant Income | $143,700 |
| Highest Applicant Income | $1,660,000 |
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| Home Improvement |
123 | $6,161,000 |
$50,000 | $410,000 |
$84,000 | $364,000 |
| Home Purchase |
155 | $28,355,000 |
$182,000 | $999,000 |
$215,000 | $812,000 |
| Refinancing |
244 | $33,296,000 |
$136,000 | $1,113,000 |
$114,000 | $1,660,000 |
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| American Indian or Alaskan Native |
2 | $84,000 |
$42,000 | $54,000 |
$66,000 | $107,000 |
| Asian |
10 | $2,040,000 |
$204,000 | $556,000 |
$126,000 | $260,000 |
| Black or African American |
25 | $3,066,000 |
$122,000 | $520,000 |
$63,000 | $174,000 |
| Hispanic |
20 | $2,010,000 |
$100,000 | $413,000 |
$86,000 | $208,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $3,927,000 |
$357,000 | $960,000 |
$295,000 | $764,000 |
| Not Provided |
19 | $3,021,000 |
$159,000 | $999,000 |
$113,000 | $442,000 |
| White |
435 | $53,664,000 |
$123,000 | $1,113,000 |
$141,000 | $1,660,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
522 | $67,812,000 |
$129,000 | $1,113,000 |
$137,000 | $1,660,000 |
| 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 |
35 | $4,623,000 |
$132,000 | $550,000 |
$119,000 | $442,000 |
| Application Denied By Financial Institution |
75 | $7,905,000 |
$105,000 | $999,000 |
$78,000 | $576,000 |
| Application Withdrawn By Applicant |
10 | $2,037,000 |
$203,000 | $360,000 |
$110,000 | $492,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
384 | $49,317,000 |
$128,000 | $1,113,000 |
$154,000 | $1,660,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
12 | $2,954,000 |
$246,000 | $720,000 |
$88,000 | $244,000 |
| Preapproval Denied by Financial Institution |
6 | $976,000 |
$162,000 | $255,000 |
$55,000 | $84,000 |
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| Collateral |
9 | $554,000 |
$61,000 | $195,000 |
$93,000 | $144,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
18 | $1,760,000 |
$97,000 | $400,000 |
$67,000 | $135,000 |
| Debt-To-Income Ratio |
39 | $5,352,000 |
$137,000 | $999,000 |
$56,000 | $239,000 |
| 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 |
13 | $1,119,000 |
$86,000 | $300,000 |
$133,000 | $576,000 |
| Unverifiable Information |
2 | $96,000 |
$48,000 | $48,000 |
$115,000 | $115,000 |
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Mortgage Loan App Totals for YARDVILLE NATIONAL BANK by:
Metropolitan Area And
County
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