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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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FIRST FINANCIAL BANK NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST FINANCIAL BANK NA |
| Address | 1401 S THIRD ST
TERRE HAUTE, IN 47802 |
| 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 | 2,374 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $166,062,000 |
| Average Mortgage Loan Amount Applied For | $126,403 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $79,826 |
| Highest Applicant Income | $8,248,000 |
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| Home Improvement |
568 | $16,365,000 |
$28,000 | $405,000 |
$55,000 | $306,000 |
| Home Purchase |
1,625 | $129,262,000 |
$79,000 | $1,500,000 |
$57,000 | $8,248,000 |
| Refinancing |
728 | $56,947,000 |
$78,000 | $1,000,000 |
$54,000 | $425,000 |
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| American Indian or Alaskan Native |
2 | $130,000 |
$65,000 | $80,000 |
$31,000 | $63,000 |
| Asian |
16 | $2,074,000 |
$129,000 | $415,000 |
$87,000 | $367,000 |
| Black or African American |
31 | $1,838,000 |
$59,000 | $260,000 |
$38,000 | $95,000 |
| Hispanic |
22 | $1,233,000 |
$56,000 | $150,000 |
$43,000 | $72,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $22,000 |
$22,000 | $22,000 |
$18,000 | $18,000 |
| Not applicable |
61 | $5,595,000 |
$91,000 | $1,140,000 |
$0 | $26,000 |
| Not Provided |
22 | $705,000 |
$32,000 | $160,000 |
$44,000 | $95,000 |
| White |
2,766 | $190,977,000 |
$69,000 | $1,500,000 |
$57,000 | $8,248,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,876 | $199,254,000 |
$69,000 | $1,500,000 |
$56,000 | $8,248,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
45 | $3,320,000 |
$73,000 | $554,000 |
$31,000 | $79,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
108 | $10,423,000 |
$96,000 | $950,000 |
$57,000 | $372,000 |
| Application Denied By Financial Institution |
370 | $27,371,000 |
$73,000 | $552,000 |
$48,000 | $425,000 |
| Application Withdrawn By Applicant |
58 | $5,614,000 |
$96,000 | $457,000 |
$68,000 | $532,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,837 | $122,154,000 |
$66,000 | $1,500,000 |
$62,000 | $8,248,000 |
| Loan Purchased By The Institution |
1 | $500,000 |
$500,000 | $500,000 |
$199,000 | $199,000 |
| Preapproval Approved but not Accepted |
2 | $215,000 |
$107,000 | $175,000 |
$49,000 | $66,000 |
| Preapproval Denied by Financial Institution |
545 | $36,297,000 |
$66,000 | $405,000 |
$39,000 | $452,000 |
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| Collateral |
85 | $6,680,000 |
$78,000 | $552,000 |
$60,000 | $425,000 |
| Credit Application Incomplete |
6 | $712,000 |
$118,000 | $405,000 |
$54,000 | $188,000 |
| Credit History |
588 | $38,404,000 |
$65,000 | $302,000 |
$42,000 | $452,000 |
| Debt-To-Income Ratio |
165 | $13,229,000 |
$80,000 | $405,000 |
$35,000 | $138,000 |
| Employment History |
16 | $1,066,000 |
$66,000 | $160,000 |
$28,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
25 | $1,412,000 |
$56,000 | $175,000 |
$34,000 | $167,000 |
| Mortgage Insurance Denied |
1 | $55,000 |
$55,000 | $55,000 |
$49,000 | $49,000 |
| Other |
24 | $1,716,000 |
$71,000 | $182,000 |
$54,000 | $170,000 |
| Unverifiable Information |
5 | $394,000 |
$78,000 | $230,000 |
$31,000 | $67,000 |
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Mortgage Loan App Totals for FIRST FINANCIAL BANK NA by:
Metropolitan Area And
County
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