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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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BLUE RIDGE BANK N A
Mortgage Loans and Application Details
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| Mortgage Company Name |
BLUE RIDGE BANK N A |
| Address | P O BOX 3748
MARTINSVILLE, VA 24115 |
| 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 | 71 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,990,000 |
| Average Mortgage Loan Amount Applied For | $71,250 |
| Highest Mortgage Loan Amount Applied For | $288,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $214,000 |
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| Home Improvement |
22 | $748,000 |
$34,000 | $174,000 |
$37,000 | $126,000 |
| Home Purchase |
20 | $1,624,000 |
$81,000 | $210,000 |
$45,000 | $135,000 |
| Refinancing |
29 | $2,618,000 |
$90,000 | $288,000 |
$71,000 | $214,000 |
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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 | $2,000 |
$2,000 | $2,000 |
$18,000 | $18,000 |
| Hispanic |
1 | $82,000 |
$82,000 | $82,000 |
$48,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $288,000 |
$288,000 | $288,000 |
$0 | $0 |
| Not Provided |
1 | $83,000 |
$83,000 | $83,000 |
$58,000 | $58,000 |
| White |
67 | $4,535,000 |
$67,000 | $210,000 |
$54,000 | $214,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
71 | $4,990,000 |
$70,000 | $288,000 |
$53,000 | $214,000 |
| 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 |
2 | $183,000 |
$91,000 | $100,000 |
$136,000 | $214,000 |
| Application Denied By Financial Institution |
10 | $519,000 |
$51,000 | $190,000 |
$36,000 | $134,000 |
| Application Withdrawn By Applicant |
5 | $596,000 |
$119,000 | $190,000 |
$62,000 | $98,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
54 | $3,692,000 |
$68,000 | $288,000 |
$52,000 | $200,000 |
| 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 |
9 | $516,000 |
$57,000 | $190,000 |
$39,000 | $134,000 |
| Debt-To-Income Ratio |
1 | $3,000 |
$3,000 | $3,000 |
$11,000 | $11,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BLUE RIDGE BANK N A by:
Metropolitan Area And
County
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