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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 | 200 EAST BROADWAY
LENOIR CITY, TN 37771 |
| 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 | 504 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $62,641,000 |
| Average Mortgage Loan Amount Applied For | $144,050 |
| Highest Mortgage Loan Amount Applied For | $1,558,000 |
| Average Applicant Income | $111,450 |
| Highest Applicant Income | $923,000 |
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| Home Improvement |
26 | $285,000 |
$10,000 | $74,000 |
$40,000 | $202,000 |
| Home Purchase |
313 | $45,552,000 |
$145,000 | $1,558,000 |
$88,000 | $923,000 |
| Refinancing |
165 | $16,804,000 |
$101,000 | $733,000 |
$72,000 | $570,000 |
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| American Indian or Alaskan Native |
1 | $1,000 |
$1,000 | $1,000 |
$32,000 | $32,000 |
| Asian |
5 | $1,013,000 |
$202,000 | $400,000 |
$85,000 | $203,000 |
| Black or African American |
2 | $288,000 |
$144,000 | $270,000 |
$48,000 | $71,000 |
| Hispanic |
32 | $2,483,000 |
$77,000 | $180,000 |
$40,000 | $71,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $451,000 |
$225,000 | $400,000 |
$110,000 | $154,000 |
| Not applicable |
59 | $10,496,000 |
$177,000 | $1,558,000 |
$113,000 | $923,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
403 | $47,909,000 |
$118,000 | $800,000 |
$79,000 | $570,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
504 | $62,641,000 |
$124,000 | $1,558,000 |
$80,000 | $923,000 |
| 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 |
17 | $1,239,000 |
$72,000 | $220,000 |
$40,000 | $106,000 |
| Application Withdrawn By Applicant |
4 | $554,000 |
$138,000 | $200,000 |
$56,000 | $109,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
483 | $60,848,000 |
$125,000 | $1,558,000 |
$82,000 | $923,000 |
| 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 |
1 | $90,000 |
$90,000 | $90,000 |
$41,000 | $41,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $706,000 |
$64,000 | $200,000 |
$46,000 | $106,000 |
| Debt-To-Income Ratio |
4 | $223,000 |
$55,000 | $104,000 |
$14,000 | $32,000 |
| 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 |
1 | $220,000 |
$220,000 | $220,000 |
$82,000 | $82,000 |
| 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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