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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 3748
MARTINSVILLE, VA 24115 |
| 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 | 74 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,994,000 |
| Average Mortgage Loan Amount Applied For | $65,600 |
| Highest Mortgage Loan Amount Applied For | $696,000 |
| Average Applicant Income | $47,200 |
| Highest Applicant Income | $175,000 |
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| Home Improvement |
31 | $545,000 |
$17,000 | $100,000 |
$34,000 | $120,000 |
| Home Purchase |
19 | $2,346,000 |
$123,000 | $696,000 |
$65,000 | $168,000 |
| Refinancing |
24 | $2,103,000 |
$87,000 | $270,000 |
$54,000 | $175,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
7 | $142,000 |
$20,000 | $46,000 |
$45,000 | $120,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
67 | $4,852,000 |
$72,000 | $696,000 |
$49,000 | $175,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
74 | $4,994,000 |
$67,000 | $696,000 |
$48,000 | $175,000 |
| 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 |
3 | $104,000 |
$34,000 | $44,000 |
$23,000 | $30,000 |
| Application Withdrawn By Applicant |
1 | $17,000 |
$17,000 | $17,000 |
$50,000 | $50,000 |
| File Closed For Incompleteness |
1 | $44,000 |
$44,000 | $44,000 |
$13,000 | $13,000 |
| Loan Originated |
69 | $4,829,000 |
$69,000 | $696,000 |
$50,000 | $175,000 |
| 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 |
1 | $35,000 |
$35,000 | $35,000 |
$25,000 | $25,000 |
| Debt-To-Income Ratio |
2 | $69,000 |
$34,000 | $44,000 |
$23,000 | $30,000 |
| 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 |
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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