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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 OF BALDWIN
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF BALDWIN |
| Address | P O BOX 1270
FOLEY, AL 36536 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 126 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,773,000 |
| Average Mortgage Loan Amount Applied For | $204,800 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $139,400 |
| Highest Applicant Income | $1,100,000 |
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| Home Improvement (one-to-four family) |
6 | $430,000 |
$71,000 | $135,000 |
$74,000 | $158,000 |
| Home Purchase (one-to-four family) |
57 | $10,706,000 |
$187,000 | $590,000 |
$175,000 | $980,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
63 | $12,637,000 |
$148,333 | $800,000 |
$111,666 | $1,100,000 |
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| American Indian or Alaskan Native |
1 | $121,000 |
$121,000 | $121,000 |
$84,000 | $84,000 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $190,000 |
$190,000 | $190,000 |
$168,000 | $168,000 |
| Information not provided by applicant in mail or telephone application |
5 | $1,317,000 |
$178,500 | $439,000 |
$160,000 | $347,000 |
| Not applicable |
17 | $3,427,000 |
$201,000 | $446,000 |
$286,000 | $980,000 |
| Other |
1 | $125,000 |
$125,000 | $125,000 |
$39,000 | $39,000 |
| White |
101 | $18,593,000 |
$193,000 | $800,000 |
$130,000 | $1,100,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
126 | $23,773,000 |
$143,666 | $800,000 |
$112,666 | $1,100,000 |
| 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 |
2 | $364,000 |
$182,000 | $268,000 |
$104,000 | $112,000 |
| Application Denied By Financial Institution |
12 | $2,163,000 |
$180,000 | $450,000 |
$59,000 | $228,000 |
| Application Withdrawn By Applicant |
6 | $584,000 |
$106,500 | $140,000 |
$84,500 | $102,000 |
| File Closed For Incompleteness |
1 | $23,000 |
$23,000 | $23,000 |
$46,000 | $46,000 |
| Loan Originated |
105 | $20,639,000 |
$159,000 | $800,000 |
$155,000 | $1,100,000 |
| Loan Purchased By The 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 |
9 | $1,045,000 |
$116,000 | $292,000 |
$52,000 | $228,000 |
| Debt-To-Income Ratio |
3 | $1,118,000 |
$372,000 | $450,000 |
$66,000 | $105,000 |
| 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 OF BALDWIN by:
Metropolitan Area And
County
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