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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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1ST NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST NATIONAL BANK |
| Address | P.O. BOX 119, 1160 E. MAIN ST.
LEBANON, OH 45036 |
| 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 | 77 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,089,000 |
| Average Mortgage Loan Amount Applied For | $127,428 |
| Highest Mortgage Loan Amount Applied For | $565,000 |
| Average Applicant Income | $67,142 |
| Highest Applicant Income | $372,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
48 | $7,041,000 |
$146,000 | $565,000 |
$68,000 | $178,000 |
| Refinancing |
29 | $4,048,000 |
$139,000 | $325,000 |
$79,000 | $372,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $178,000 |
$178,000 | $178,000 |
$178,000 | $178,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $107,000 |
$107,000 | $107,000 |
$41,000 | $41,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $150,000 |
$150,000 | $150,000 |
$29,000 | $29,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
74 | $10,654,000 |
$143,000 | $565,000 |
$71,000 | $372,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
77 | $11,089,000 |
$144,000 | $565,000 |
$72,000 | $372,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
15 | $2,101,000 |
$140,000 | $259,000 |
$68,000 | $178,000 |
| Application Withdrawn By Applicant |
2 | $475,000 |
$237,000 | $385,000 |
$88,000 | $95,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
60 | $8,513,000 |
$141,000 | $565,000 |
$72,000 | $372,000 |
| 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 |
12 | $1,529,000 |
$127,000 | $240,000 |
$61,000 | $104,000 |
| Debt-To-Income Ratio |
1 | $178,000 |
$178,000 | $178,000 |
$178,000 | $178,000 |
| Employment History |
1 | $135,000 |
$135,000 | $135,000 |
$33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $259,000 |
$259,000 | $259,000 |
$74,000 | $74,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for 1ST NATIONAL BANK by:
Metropolitan Area And
County
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