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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 | P.O. BOX 7
FORT SMITH, AR 72902 |
| 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 | 171 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,374,000 |
| Average Mortgage Loan Amount Applied For | $86,222 |
| Highest Mortgage Loan Amount Applied For | $1,404,000 |
| Average Applicant Income | $97,666 |
| Highest Applicant Income | $360,000 |
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| Home Improvement |
80 | $1,199,000 |
$14,000 | $100,000 |
$46,000 | $228,000 |
| Home Purchase |
55 | $5,563,000 |
$101,000 | $1,404,000 |
$77,000 | $360,000 |
| Refinancing |
36 | $2,612,000 |
$72,000 | $1,104,000 |
$63,000 | $355,000 |
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| American Indian or Alaskan Native |
1 | $2,000 |
$2,000 | $2,000 |
$22,000 | $22,000 |
| Asian |
6 | $117,000 |
$19,000 | $30,000 |
$36,000 | $60,000 |
| Black or African American |
6 | $48,000 |
$8,000 | $17,000 |
$30,000 | $90,000 |
| Hispanic |
19 | $118,000 |
$6,000 | $17,000 |
$33,000 | $55,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $3,179,000 |
$227,000 | $1,398,000 |
$44,000 | $360,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
125 | $5,910,000 |
$47,000 | $1,404,000 |
$69,000 | $355,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
171 | $9,374,000 |
$54,000 | $1,404,000 |
$60,000 | $360,000 |
| 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 |
12 | $192,000 |
$16,000 | $42,000 |
$14,000 | $30,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
159 | $9,182,000 |
$57,000 | $1,404,000 |
$63,000 | $360,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $192,000 |
$16,000 | $42,000 |
$14,000 | $30,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
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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