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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK |
| Address | 105 LOCUST ST
BROOKSVILLE, KY 41004 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 212 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,207,000 |
| Average Mortgage Loan Amount Applied For | $45,700 |
| Highest Mortgage Loan Amount Applied For | $255,000 |
| Average Applicant Income | $56,500 |
| Highest Applicant Income | $423,000 |
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| Home Improvement |
82 | $1,476,000 |
$18,000 | $160,000 |
$44,000 | $117,000 |
| Home Purchase |
83 | $5,836,000 |
$70,000 | $255,000 |
$56,000 | $164,000 |
| Refinancing |
47 | $2,895,000 |
$61,000 | $180,000 |
$63,000 | $423,000 |
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| American Indian or Alaskan Native |
1 | $66,000 |
$66,000 | $66,000 |
$31,000 | $31,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
211 | $10,141,000 |
$48,000 | $255,000 |
$53,000 | $423,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
212 | $10,207,000 |
$48,000 | $255,000 |
$53,000 | $423,000 |
| 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 |
14 | $989,000 |
$70,000 | $192,000 |
$60,000 | $125,000 |
| Application Denied By Financial Institution |
41 | $2,564,000 |
$62,000 | $255,000 |
$45,000 | $93,000 |
| Application Withdrawn By Applicant |
2 | $135,000 |
$67,000 | $85,000 |
$36,000 | $61,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
155 | $6,519,000 |
$42,000 | $250,000 |
$55,000 | $423,000 |
| 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 |
4 | $131,000 |
$32,000 | $86,000 |
$27,000 | $35,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
27 | $1,443,000 |
$53,000 | $150,000 |
$48,000 | $81,000 |
| Debt-To-Income Ratio |
9 | $915,000 |
$101,000 | $255,000 |
$45,000 | $93,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $75,000 |
$75,000 | $75,000 |
$18,000 | $18,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK by:
Metropolitan Area And
County
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