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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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COMMUNITY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY NATIONAL BANK |
| Address | 1400 EAST SECOND STREET
FRANKLIN, OH 45005 |
| 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 | 409 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $48,830,000 |
| Average Mortgage Loan Amount Applied For | $112,908 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $53,183 |
| Highest Applicant Income | $1,200,000 |
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| Home Improvement |
5 | $316,000 |
$63,000 | $227,000 |
$83,000 | $201,000 |
| Home Purchase |
83 | $8,672,000 |
$104,000 | $400,000 |
$62,000 | $1,200,000 |
| Refinancing |
321 | $39,842,000 |
$124,000 | $500,000 |
$55,000 | $396,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $236,000 |
$118,000 | $126,000 |
$35,000 | $36,000 |
| Black or African American |
25 | $3,182,000 |
$127,000 | $284,000 |
$41,000 | $85,000 |
| Hispanic |
2 | $217,000 |
$108,000 | $117,000 |
$50,000 | $51,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $584,000 |
$194,000 | $276,000 |
$85,000 | $90,000 |
| Not applicable |
3 | $178,000 |
$59,000 | $65,000 |
$152,000 | $204,000 |
| Not Provided |
113 | $12,772,000 |
$113,000 | $300,000 |
$51,000 | $156,000 |
| White |
261 | $31,661,000 |
$121,000 | $500,000 |
$60,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
402 | $47,898,000 |
$119,000 | $500,000 |
$57,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) |
7 | $932,000 |
$133,000 | $205,000 |
$53,000 | $96,000 |
| 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 |
11 | $1,168,000 |
$106,000 | $227,000 |
$45,000 | $119,000 |
| Application Denied By Financial Institution |
127 | $13,888,000 |
$109,000 | $300,000 |
$44,000 | $197,000 |
| Application Withdrawn By Applicant |
226 | $27,261,000 |
$120,000 | $400,000 |
$54,000 | $156,000 |
| File Closed For Incompleteness |
5 | $741,000 |
$148,000 | $250,000 |
$118,000 | $396,000 |
| Loan Originated |
40 | $5,772,000 |
$144,000 | $500,000 |
$111,000 | $1,200,000 |
| 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 |
20 | $2,378,000 |
$118,000 | $228,000 |
$52,000 | $97,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
85 | $9,085,000 |
$106,000 | $300,000 |
$46,000 | $197,000 |
| Debt-To-Income Ratio |
12 | $1,213,000 |
$101,000 | $175,000 |
$27,000 | $50,000 |
| Employment History |
2 | $171,000 |
$85,000 | $90,000 |
$35,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
7 | $964,000 |
$137,000 | $205,000 |
$37,000 | $60,000 |
| Unverifiable Information |
1 | $77,000 |
$77,000 | $77,000 |
$25,000 | $25,000 |
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Mortgage Loan App Totals for COMMUNITY NATIONAL BANK by:
Metropolitan Area And
County
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