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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 BALLING
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF BALLING |
| Address | 911 HUTCHINGS BLVD
BALLINGER, TX 76821 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 571 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $47,677,000 |
| Average Mortgage Loan Amount Applied For | $97,000 |
| Highest Mortgage Loan Amount Applied For | $359,000 |
| Average Applicant Income | $59,785 |
| Highest Applicant Income | $334,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
559 | $44,886,000 |
$80,000 | $359,000 |
$42,000 | $334,000 |
| Refinancing |
41 | $4,111,000 |
$100,000 | $256,000 |
$69,000 | $291,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $191,000 |
$63,000 | $100,000 |
$25,000 | $42,000 |
| Black or African American |
11 | $1,074,000 |
$97,000 | $171,000 |
$38,000 | $71,000 |
| Hispanic |
225 | $13,790,000 |
$61,000 | $305,000 |
$33,000 | $115,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
4 | $480,000 |
$120,000 | $285,000 |
$59,000 | $155,000 |
| White |
357 | $33,462,000 |
$93,000 | $359,000 |
$52,000 | $334,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
409 | $33,969,000 |
$83,000 | $318,000 |
$46,000 | $334,000 |
| FHA-insured (Federal Housing Administration) |
158 | $10,910,000 |
$69,000 | $177,000 |
$36,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
33 | $4,118,000 |
$124,000 | $359,000 |
$61,000 | $125,000 |
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| Application Approved But Not Accepted |
1 | $138,000 |
$138,000 | $138,000 |
$44,000 | $44,000 |
| Application Denied By Financial Institution |
164 | $8,294,000 |
$50,000 | $185,000 |
$27,000 | $134,000 |
| Application Withdrawn By Applicant |
308 | $27,000,000 |
$87,000 | $359,000 |
$44,000 | $168,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
125 | $13,445,000 |
$107,000 | $285,000 |
$68,000 | $334,000 |
| 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 |
2 | $120,000 |
$60,000 | $119,000 |
$22,000 | $44,000 |
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| Collateral |
2 | $2,000 |
$1,000 | $1,000 |
$67,000 | $134,000 |
| Credit Application Incomplete |
1 | $135,000 |
$135,000 | $135,000 |
$77,000 | $77,000 |
| Credit History |
156 | $8,158,000 |
$52,000 | $185,000 |
$27,000 | $124,000 |
| Debt-To-Income Ratio |
6 | $118,000 |
$19,000 | $65,000 |
$14,000 | $36,000 |
| Employment History |
1 | $1,000 |
$1,000 | $1,000 |
$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 BALLING by:
Metropolitan Area And
County
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