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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 CENTERV
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF CENTERV |
| Address | 314 NORTH PUBLIC SQUARE
CENTERILLE, TN 37033 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 136 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $8,959,000 |
| Average Mortgage Loan Amount Applied For | $84,000 |
| Highest Mortgage Loan Amount Applied For | $418,000 |
| Average Applicant Income | $71,666 |
| Highest Applicant Income | $485,000 |
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| Home Improvement |
27 | $1,348,000 |
$49,000 | $167,000 |
$57,000 | $194,000 |
| Home Purchase |
53 | $3,790,000 |
$71,000 | $350,000 |
$71,000 | $485,000 |
| Refinancing |
56 | $3,821,000 |
$68,000 | $418,000 |
$43,000 | $185,000 |
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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 |
6 | $321,000 |
$53,000 | $85,000 |
$42,000 | $67,000 |
| Hispanic |
1 | $45,000 |
$45,000 | $45,000 |
$67,000 | $67,000 |
| 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 |
129 | $8,593,000 |
$66,000 | $418,000 |
$57,000 | $485,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
136 | $8,959,000 |
$65,000 | $418,000 |
$56,000 | $485,000 |
| 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 |
7 | $279,000 |
$39,000 | $63,000 |
$37,000 | $88,000 |
| Application Denied By Financial Institution |
25 | $1,370,000 |
$54,000 | $237,000 |
$60,000 | $262,000 |
| Application Withdrawn By Applicant |
6 | $437,000 |
$72,000 | $120,000 |
$39,000 | $52,000 |
| File Closed For Incompleteness |
2 | $135,000 |
$67,000 | $86,000 |
$212,000 | $363,000 |
| Loan Originated |
96 | $6,738,000 |
$70,000 | $418,000 |
$55,000 | $485,000 |
| 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 |
6 | $277,000 |
$46,000 | $109,000 |
$36,000 | $49,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $572,000 |
$52,000 | $237,000 |
$46,000 | $144,000 |
| Debt-To-Income Ratio |
7 | $381,000 |
$54,000 | $129,000 |
$82,000 | $262,000 |
| 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 |
1 | $140,000 |
$140,000 | $140,000 |
$197,000 | $197,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF CENTERV by:
Metropolitan Area And
County
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