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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 OF BERRYVILL
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST NATIONAL BANK OF BERRYVILL |
| Address | P.O. BOX 367
BERRYVILLE, AR 72616 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 174 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,853,000 |
| Average Mortgage Loan Amount Applied For | $86,909 |
| Highest Mortgage Loan Amount Applied For | $350,000 |
| Average Applicant Income | $73,090 |
| Highest Applicant Income | $302,000 |
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| Home Improvement |
22 | $1,068,000 |
$48,000 | $214,000 |
$54,000 | $100,000 |
| Home Purchase |
57 | $4,261,000 |
$74,000 | $350,000 |
$69,000 | $302,000 |
| Refinancing |
95 | $8,524,000 |
$89,000 | $347,000 |
$53,000 | $185,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $60,000 |
$60,000 | $60,000 |
$35,000 | $35,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
12 | $623,000 |
$51,000 | $103,000 |
$33,000 | $74,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $115,000 |
$115,000 | $115,000 |
$45,000 | $45,000 |
| White |
160 | $13,055,000 |
$81,000 | $350,000 |
$61,000 | $302,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
174 | $13,853,000 |
$79,000 | $350,000 |
$58,000 | $302,000 |
| 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 |
27 | $1,171,000 |
$43,000 | $100,000 |
$35,000 | $92,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
147 | $12,682,000 |
$86,000 | $350,000 |
$63,000 | $302,000 |
| 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 |
3 | $167,000 |
$55,000 | $85,000 |
$42,000 | $75,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $611,000 |
$38,000 | $100,000 |
$30,000 | $72,000 |
| Debt-To-Income Ratio |
4 | $152,000 |
$38,000 | $83,000 |
$43,000 | $92,000 |
| 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 |
3 | $201,000 |
$67,000 | $83,000 |
$51,000 | $73,000 |
| Unverifiable Information |
1 | $40,000 |
$40,000 | $40,000 |
$13,000 | $13,000 |
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Mortgage Loan App Totals for 1ST NATIONAL BANK OF BERRYVILL by:
Metropolitan Area And
County
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