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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 | 7201 N. 10TH STREET
MCALLEN, TX 78504 |
| 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 | 1,371 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $127,746,000 |
| Average Mortgage Loan Amount Applied For | $235,888 |
| Highest Mortgage Loan Amount Applied For | $3,700,000 |
| Average Applicant Income | $149,740 |
| Highest Applicant Income | $3,049,000 |
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| Home Improvement |
58 | $2,894,000 |
$49,000 | $296,000 |
$61,000 | $316,000 |
| Home Purchase |
1,197 | $109,031,000 |
$91,000 | $2,000,000 |
$70,000 | $3,049,000 |
| Refinancing |
126 | $16,415,000 |
$130,000 | $3,700,000 |
$63,000 | $430,000 |
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| American Indian or Alaskan Native |
3 | $386,000 |
$128,000 | $168,000 |
$147,000 | $316,000 |
| Asian |
8 | $883,000 |
$110,000 | $190,000 |
$70,000 | $105,000 |
| Black or African American |
15 | $2,185,000 |
$145,000 | $510,000 |
$53,000 | $326,000 |
| Hispanic |
1,086 | $80,300,000 |
$73,000 | $990,000 |
$56,000 | $2,334,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $185,000 |
$185,000 | $185,000 |
$131,000 | $131,000 |
| Not applicable |
136 | $26,093,000 |
$191,000 | $3,700,000 |
$139,000 | $3,049,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
132 | $18,308,000 |
$138,000 | $1,460,000 |
$101,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,381 | $128,340,000 |
$92,000 | $3,700,000 |
$69,000 | $3,049,000 |
| 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 |
3 | $202,000 |
$67,000 | $165,000 |
$67,000 | $130,000 |
| Application Denied By Financial Institution |
293 | $18,435,000 |
$62,000 | $1,000,000 |
$34,000 | $216,000 |
| Application Withdrawn By Applicant |
168 | $14,484,000 |
$86,000 | $1,460,000 |
$46,000 | $249,000 |
| File Closed For Incompleteness |
4 | $323,000 |
$80,000 | $125,000 |
$50,000 | $68,000 |
| Loan Originated |
830 | $88,227,000 |
$106,000 | $3,700,000 |
$93,000 | $3,049,000 |
| Loan Purchased By The Institution |
74 | $6,177,000 |
$83,000 | $169,000 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
9 | $492,000 |
$54,000 | $179,000 |
$28,000 | $88,000 |
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| Collateral |
4 | $125,000 |
$31,000 | $40,000 |
$64,000 | $116,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
172 | $8,797,000 |
$51,000 | $1,000,000 |
$34,000 | $216,000 |
| Debt-To-Income Ratio |
105 | $8,602,000 |
$81,000 | $339,000 |
$32,000 | $142,000 |
| Employment History |
5 | $386,000 |
$77,000 | $165,000 |
$30,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $103,000 |
$51,000 | $63,000 |
$29,000 | $32,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
12 | $783,000 |
$65,000 | $179,000 |
$45,000 | $84,000 |
| Unverifiable Information |
2 | $131,000 |
$65,000 | $86,000 |
$33,000 | $51,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK by:
Metropolitan Area And
County
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