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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 | 100 WEST HIGH STREET
MANCHESTER, TN 37355 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 305 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $35,436,000 |
| Average Mortgage Loan Amount Applied For | $112,133 |
| Highest Mortgage Loan Amount Applied For | $11,646,000 |
| Average Applicant Income | $70,266 |
| Highest Applicant Income | $531,000 |
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| Home Improvement |
59 | $1,242,000 |
$21,000 | $171,000 |
$56,000 | $531,000 |
| Home Purchase |
88 | $20,485,000 |
$232,000 | $11,646,000 |
$74,000 | $373,000 |
| Refinancing |
158 | $13,709,000 |
$86,000 | $1,060,000 |
$83,000 | $531,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $270,000 |
$90,000 | $186,000 |
$83,000 | $100,000 |
| Black or African American |
2 | $206,000 |
$103,000 | $167,000 |
$65,000 | $66,000 |
| Hispanic |
3 | $101,000 |
$33,000 | $47,000 |
$53,000 | $70,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $12,140,000 |
$3,035,000 | $11,646,000 |
$84,000 | $336,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
293 | $22,719,000 |
$77,000 | $1,100,000 |
$75,000 | $531,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
304 | $35,226,000 |
$115,000 | $11,646,000 |
$75,000 | $531,000 |
| FHA-insured (Federal Housing Administration) |
1 | $210,000 |
$210,000 | $210,000 |
$60,000 | $60,000 |
| 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 |
9 | $565,000 |
$62,000 | $145,000 |
$45,000 | $85,000 |
| Application Withdrawn By Applicant |
30 | $4,130,000 |
$137,000 | $653,000 |
$62,000 | $420,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
266 | $30,741,000 |
$115,000 | $11,646,000 |
$78,000 | $531,000 |
| 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 | $56,000 |
$56,000 | $56,000 |
$27,000 | $27,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $240,000 |
$48,000 | $115,000 |
$42,000 | $85,000 |
| Debt-To-Income Ratio |
1 | $45,000 |
$45,000 | $45,000 |
$50,000 | $50,000 |
| 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 | $224,000 |
$112,000 | $145,000 |
$59,000 | $67,000 |
| 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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