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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 & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST NATIONAL BANK & TRUST |
| Address | 5817 MANATEE AVENUE W
BRADENTON, FL 34209 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 91 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,516,000 |
| Average Mortgage Loan Amount Applied For | $1,045,714 |
| Highest Mortgage Loan Amount Applied For | $3,850,000 |
| Average Applicant Income | $318,857 |
| Highest Applicant Income | $1,496,000 |
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| Home Improvement |
3 | $137,000 |
$45,000 | $100,000 |
$144,000 | $533,000 |
| Home Purchase |
61 | $25,276,000 |
$414,000 | $3,850,000 |
$180,000 | $1,129,000 |
| Refinancing |
27 | $12,103,000 |
$448,000 | $3,075,000 |
$188,000 | $1,496,000 |
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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 |
2 | $77,000 |
$38,000 | $70,000 |
$25,000 | $51,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $256,000 |
$256,000 | $256,000 |
$286,000 | $286,000 |
| Not applicable |
21 | $12,286,000 |
$585,000 | $3,075,000 |
$0 | $0 |
| Not Provided |
9 | $3,182,000 |
$353,000 | $640,000 |
$224,000 | $1,129,000 |
| White |
58 | $21,715,000 |
$374,000 | $3,850,000 |
$267,000 | $1,496,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
91 | $37,516,000 |
$412,000 | $3,850,000 |
$180,000 | $1,496,000 |
| 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 |
12 | $5,738,000 |
$478,000 | $3,850,000 |
$170,000 | $754,000 |
| Application Denied By Financial Institution |
10 | $1,351,000 |
$135,000 | $302,000 |
$105,000 | $348,000 |
| Application Withdrawn By Applicant |
18 | $4,014,000 |
$223,000 | $550,000 |
$74,000 | $149,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
51 | $26,413,000 |
$517,000 | $3,075,000 |
$250,000 | $1,496,000 |
| 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 |
1 | $60,000 |
$60,000 | $60,000 |
$236,000 | $236,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $735,000 |
$122,000 | $250,000 |
$92,000 | $348,000 |
| Debt-To-Income Ratio |
1 | $302,000 |
$302,000 | $302,000 |
$48,000 | $48,000 |
| 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 |
2 | $254,000 |
$127,000 | $200,000 |
$71,000 | $88,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for 1ST NATIONAL BANK & TRUST by:
Metropolitan Area And
County
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