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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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CITY NATIONAL BANK OF WV
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITY NATIONAL BANK OF WV |
| Address | P O BOX 7899
CROSS LANES, WV 25356 |
| 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 | 6,978 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $446,026,000 |
| Average Mortgage Loan Amount Applied For | $184,448 |
| Highest Mortgage Loan Amount Applied For | $7,500,000 |
| Average Applicant Income | $135,153 |
| Highest Applicant Income | $3,902,000 |
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| Home Improvement |
2,327 | $66,841,000 |
$28,000 | $750,000 |
$55,000 | $686,000 |
| Home Purchase |
1,852 | $206,929,000 |
$111,000 | $7,500,000 |
$68,000 | $3,902,000 |
| Refinancing |
3,025 | $188,534,000 |
$62,000 | $2,600,000 |
$61,000 | $1,299,000 |
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| American Indian or Alaskan Native |
11 | $1,000,000 |
$90,000 | $350,000 |
$67,000 | $201,000 |
| Asian |
31 | $4,690,000 |
$151,000 | $765,000 |
$152,000 | $500,000 |
| Black or African American |
132 | $7,196,000 |
$54,000 | $376,000 |
$49,000 | $412,000 |
| Hispanic |
48 | $3,429,000 |
$71,000 | $350,000 |
$58,000 | $148,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $486,000 |
$121,000 | $179,000 |
$122,000 | $255,000 |
| Not applicable |
40 | $8,518,000 |
$212,000 | $2,600,000 |
$0 | $0 |
| Not Provided |
182 | $8,891,000 |
$48,000 | $630,000 |
$61,000 | $442,000 |
| White |
6,756 | $428,094,000 |
$63,000 | $7,500,000 |
$61,000 | $3,902,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
7,204 | $462,304,000 |
$64,000 | $7,500,000 |
$61,000 | $3,902,000 |
| 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 |
901 | $51,072,000 |
$56,000 | $1,035,000 |
$63,000 | $1,134,000 |
| Application Denied By Financial Institution |
1,872 | $81,131,000 |
$43,000 | $2,600,000 |
$45,000 | $350,000 |
| Application Withdrawn By Applicant |
305 | $29,562,000 |
$96,000 | $750,000 |
$62,000 | $300,000 |
| File Closed For Incompleteness |
3 | $178,000 |
$59,000 | $82,000 |
$48,000 | $70,000 |
| Loan Originated |
3,924 | $284,523,000 |
$72,000 | $7,500,000 |
$69,000 | $3,902,000 |
| 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 |
199 | $15,838,000 |
$79,000 | $340,000 |
$42,000 | $304,000 |
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| Collateral |
160 | $8,042,000 |
$50,000 | $320,000 |
$58,000 | $350,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1,436 | $55,128,000 |
$38,000 | $759,000 |
$46,000 | $316,000 |
| Debt-To-Income Ratio |
426 | $31,447,000 |
$73,000 | $2,600,000 |
$37,000 | $288,000 |
| Employment History |
23 | $912,000 |
$39,000 | $160,000 |
$37,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $248,000 |
$82,000 | $103,000 |
$39,000 | $52,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
22 | $1,176,000 |
$53,000 | $175,000 |
$57,000 | $177,000 |
| Unverifiable Information |
1 | $16,000 |
$16,000 | $16,000 |
$113,000 | $113,000 |
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Mortgage Loan App Totals for CITY NATIONAL BANK OF WV by:
Metropolitan Area And
County
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