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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 | PO BOX 289
COATESVILLE, IN 46121 |
| 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 | 236 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,846,000 |
| Average Mortgage Loan Amount Applied For | $113,266 |
| Highest Mortgage Loan Amount Applied For | $520,000 |
| Average Applicant Income | $128,800 |
| Highest Applicant Income | $921,000 |
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| Home Improvement |
18 | $775,000 |
$43,000 | $297,000 |
$62,000 | $325,000 |
| Home Purchase |
93 | $9,649,000 |
$103,000 | $386,000 |
$92,000 | $849,000 |
| Refinancing |
130 | $15,280,000 |
$117,000 | $520,000 |
$87,000 | $921,000 |
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| American Indian or Alaskan Native |
3 | $392,000 |
$130,000 | $200,000 |
$69,000 | $115,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $131,000 |
$131,000 | $131,000 |
$60,000 | $60,000 |
| Hispanic |
3 | $116,000 |
$38,000 | $58,000 |
$47,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $640,000 |
$160,000 | $285,000 |
$485,000 | $921,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
230 | $24,425,000 |
$106,000 | $520,000 |
$81,000 | $439,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
241 | $25,704,000 |
$106,000 | $520,000 |
$87,000 | $921,000 |
| 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 |
46 | $4,113,000 |
$89,000 | $313,000 |
$45,000 | $162,000 |
| Application Withdrawn By Applicant |
40 | $4,590,000 |
$114,000 | $386,000 |
$62,000 | $216,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
155 | $17,001,000 |
$109,000 | $520,000 |
$106,000 | $921,000 |
| 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 |
2 | $91,000 |
$45,000 | $79,000 |
$41,000 | $45,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
24 | $1,867,000 |
$77,000 | $313,000 |
$48,000 | $162,000 |
| Debt-To-Income Ratio |
14 | $1,807,000 |
$129,000 | $309,000 |
$43,000 | $96,000 |
| Employment History |
3 | $125,000 |
$41,000 | $69,000 |
$58,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $223,000 |
$74,000 | $135,000 |
$22,000 | $34,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK by:
Metropolitan Area And
County
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