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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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CNB NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CNB NATIONAL BANK |
| Address | 151 CORLEY MILL ROAD
LEXINGTON, SC 29072 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 445 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $42,977,000 |
| Average Mortgage Loan Amount Applied For | $133,130 |
| Highest Mortgage Loan Amount Applied For | $937,000 |
| Average Applicant Income | $89,956 |
| Highest Applicant Income | $879,000 |
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| Home Improvement |
105 | $2,317,000 |
$43,000 | $130,000 |
$134,333 | $309,000 |
| Home Purchase |
197 | $26,351,000 |
$102,500 | $789,000 |
$82,500 | $879,000 |
| Refinancing |
143 | $14,309,000 |
$67,500 | $937,000 |
$33,500 | $258,000 |
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| American Indian or Alaskan Native |
1 | $203,000 |
$203,000 | $203,000 |
$100,000 | $100,000 |
| Asian |
2 | $152,000 |
$76,000 | $145,000 |
$32,000 | $51,000 |
| Black or African American |
29 | $2,148,000 |
$74,000 | $475,000 |
$52,000 | $879,000 |
| Hispanic |
4 | $377,000 |
$94,000 | $160,000 |
$64,000 | $99,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
25 | $2,282,000 |
$80,500 | $280,000 |
$1,500 | $135,000 |
| Not Provided |
1 | $71,000 |
$71,000 | $71,000 |
$118,000 | $118,000 |
| White |
383 | $37,744,000 |
$76,333 | $937,000 |
$150,666 | $326,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
444 | $42,870,000 |
$73,666 | $937,000 |
$145,666 | $879,000 |
| 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) |
1 | $107,000 |
$107,000 | $107,000 |
$43,000 | $43,000 |
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| Application Approved But Not Accepted |
14 | $2,359,000 |
$140,000 | $368,000 |
$70,500 | $258,000 |
| Application Denied By Financial Institution |
31 | $1,412,000 |
$40,000 | $297,000 |
$26,500 | $313,000 |
| Application Withdrawn By Applicant |
17 | $2,267,000 |
$133,000 | $558,000 |
$68,000 | $146,000 |
| File Closed For Incompleteness |
4 | $403,000 |
$100,000 | $168,000 |
$38,000 | $65,000 |
| Loan Originated |
379 | $36,536,000 |
$74,333 | $937,000 |
$150,666 | $879,000 |
| 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 | $4,000 |
$4,000 | $4,000 |
$14,000 | $14,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
15 | $259,000 |
$25,500 | $65,000 |
$21,000 | $70,000 |
| Debt-To-Income Ratio |
12 | $860,000 |
$71,000 | $297,000 |
$59,000 | $313,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $173,000 |
$173,000 | $173,000 |
$58,000 | $58,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $116,000 |
$58,000 | $114,000 |
$37,000 | $58,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CNB NATIONAL BANK by:
Metropolitan Area And
County
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