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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 22090
HOT SPRINGS, AR 71903 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 415 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,183,000 |
| Average Mortgage Loan Amount Applied For | $68,545 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $75,863 |
| Highest Applicant Income | $1,200,000 |
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| Home Improvement |
46 | $1,510,000 |
$32,000 | $157,000 |
$78,000 | $437,000 |
| Home Purchase |
188 | $14,422,000 |
$76,000 | $600,000 |
$73,000 | $1,200,000 |
| Refinancing |
181 | $13,251,000 |
$73,000 | $750,000 |
$63,000 | $442,000 |
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| American Indian or Alaskan Native |
6 | $561,000 |
$93,000 | $176,000 |
$314,000 | $442,000 |
| Asian |
2 | $42,000 |
$21,000 | $32,000 |
$48,000 | $72,000 |
| Black or African American |
3 | $180,000 |
$60,000 | $76,000 |
$38,000 | $82,000 |
| Hispanic |
21 | $1,199,000 |
$57,000 | $244,000 |
$52,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $906,000 |
$226,000 | $600,000 |
$138,000 | $288,000 |
| Not Provided |
7 | $1,292,000 |
$184,000 | $750,000 |
$125,000 | $224,000 |
| White |
372 | $25,003,000 |
$67,000 | $600,000 |
$65,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
412 | $29,017,000 |
$70,000 | $750,000 |
$70,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) |
2 | $100,000 |
$50,000 | $60,000 |
$20,000 | $25,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $66,000 |
$66,000 | $66,000 |
$37,000 | $37,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
84 | $3,945,000 |
$46,000 | $229,000 |
$43,000 | $250,000 |
| Application Withdrawn By Applicant |
48 | $4,812,000 |
$100,000 | $600,000 |
$63,000 | $250,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
283 | $20,426,000 |
$72,000 | $750,000 |
$78,000 | $1,200,000 |
| 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 |
9 | $293,000 |
$32,000 | $65,000 |
$38,000 | $76,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
57 | $2,402,000 |
$42,000 | $150,000 |
$42,000 | $250,000 |
| Debt-To-Income Ratio |
10 | $1,064,000 |
$106,000 | $229,000 |
$60,000 | $144,000 |
| Employment History |
3 | $52,000 |
$17,000 | $19,000 |
$23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $20,000 |
$20,000 | $20,000 |
$16,000 | $16,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $70,000 |
$35,000 | $38,000 |
$72,000 | $72,000 |
| Unverifiable Information |
2 | $44,000 |
$22,000 | $30,000 |
$31,000 | $45,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK by:
Metropolitan Area And
County
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