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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 NATIONAL BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK AND TRUST |
| Address | 101 W MAIN ST
GEORGETOWN, KY 40324 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 163 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,863,000 |
| Average Mortgage Loan Amount Applied For | $77,600 |
| Highest Mortgage Loan Amount Applied For | $552,000 |
| Average Applicant Income | $88,200 |
| Highest Applicant Income | $635,000 |
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| Home Improvement (one-to-four family) |
17 | $425,000 |
$25,000 | $135,000 |
$56,000 | $176,000 |
| Home Purchase (one-to-four family) |
39 | $4,502,000 |
$133,500 | $552,000 |
$167,500 | $635,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
107 | $6,936,000 |
$64,000 | $465,000 |
$81,000 | $439,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
2 | $55,000 |
$27,000 | $33,000 |
$264,000 | $264,000 |
| Black |
6 | $278,000 |
$46,000 | $206,000 |
$135,000 | $350,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Information not provided by applicant in mail or telephone application |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $1,249,000 |
$124,000 | $465,000 |
$29,000 | $437,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
145 | $10,281,000 |
$111,500 | $552,000 |
$134,500 | $635,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
163 | $11,863,000 |
$112,500 | $552,000 |
$134,000 | $635,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
6 | $333,000 |
$55,000 | $135,000 |
$53,000 | $176,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
157 | $11,530,000 |
$112,500 | $552,000 |
$137,000 | $635,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
1 | $135,000 |
$135,000 | $135,000 |
$176,000 | $176,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $167,000 |
$83,000 | $130,000 |
$29,000 | $36,000 |
| Debt-To-Income Ratio |
1 | $15,000 |
$15,000 | $15,000 |
$36,000 | $36,000 |
| 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 |
2 | $16,000 |
$8,000 | $15,000 |
$13,000 | $14,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK AND TRUST by:
Metropolitan Area And
County
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