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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 22090
HOT SPRINGS, AR 71903 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 295 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $19,070,000 |
| Average Mortgage Loan Amount Applied For | $68,062 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $89,500 |
| Highest Applicant Income | $995,000 |
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| Home Improvement |
29 | $1,250,000 |
$43,000 | $800,000 |
$44,000 | $176,000 |
| Home Purchase |
132 | $9,328,000 |
$70,000 | $420,000 |
$80,000 | $995,000 |
| Refinancing |
134 | $8,492,000 |
$72,000 | $427,000 |
$92,000 | $796,000 |
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| American Indian or Alaskan Native |
4 | $216,000 |
$54,000 | $90,000 |
$229,000 | $796,000 |
| Asian |
2 | $54,000 |
$27,000 | $38,000 |
$37,000 | $42,000 |
| Black or African American |
3 | $186,000 |
$62,000 | $73,000 |
$61,000 | $81,000 |
| Hispanic |
13 | $529,000 |
$40,000 | $140,000 |
$40,000 | $85,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $800,000 |
$800,000 | $800,000 |
$176,000 | $176,000 |
| Not applicable |
11 | $1,079,000 |
$98,000 | $230,000 |
$361,000 | $995,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
261 | $16,206,000 |
$71,500 | $427,000 |
$68,000 | $796,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
295 | $19,070,000 |
$73,000 | $800,000 |
$85,000 | $995,000 |
| 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 |
55 | $2,693,000 |
$48,000 | $250,000 |
$37,000 | $120,000 |
| Application Withdrawn By Applicant |
45 | $4,126,000 |
$92,000 | $800,000 |
$75,500 | $250,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
195 | $12,251,000 |
$66,500 | $427,000 |
$103,500 | $995,000 |
| 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 |
11 | $744,000 |
$67,000 | $250,000 |
$27,000 | $60,000 |
| Credit Application Incomplete |
1 | $140,000 |
$140,000 | $140,000 |
$50,000 | $50,000 |
| Credit History |
30 | $734,000 |
$24,000 | $64,000 |
$35,000 | $120,000 |
| Debt-To-Income Ratio |
10 | $769,000 |
$76,000 | $216,000 |
$42,000 | $100,000 |
| 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 | $186,000 |
$93,000 | $126,000 |
$56,000 | $62,000 |
| Unverifiable Information |
1 | $120,000 |
$120,000 | $120,000 |
$74,000 | $74,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK by:
Metropolitan Area And
County
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