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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 GRIFFIN
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF GRIFFIN |
| Address | 318 S HILL ST
GRIFFIN, GA 30224 |
| 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 | 328 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $33,690,000 |
| Average Mortgage Loan Amount Applied For | $209,500 |
| Highest Mortgage Loan Amount Applied For | $1,104,000 |
| Average Applicant Income | $88,125 |
| Highest Applicant Income | $1,526,000 |
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| Home Improvement |
10 | $185,000 |
$18,000 | $40,000 |
$27,000 | $45,000 |
| Home Purchase |
121 | $13,674,000 |
$113,000 | $417,000 |
$78,000 | $937,000 |
| Refinancing |
197 | $19,831,000 |
$100,000 | $1,104,000 |
$101,000 | $1,526,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $216,000 |
$216,000 | $216,000 |
$120,000 | $120,000 |
| Black or African American |
33 | $1,997,000 |
$60,000 | $228,000 |
$40,000 | $119,000 |
| Hispanic |
3 | $188,000 |
$62,000 | $131,000 |
$46,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
12 | $1,915,000 |
$159,000 | $1,104,000 |
$147,000 | $1,526,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
279 | $29,374,000 |
$105,000 | $896,000 |
$94,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
328 | $33,690,000 |
$102,000 | $1,104,000 |
$91,000 | $1,526,000 |
| 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 |
14 | $689,000 |
$49,000 | $119,000 |
$31,000 | $96,000 |
| Application Withdrawn By Applicant |
8 | $1,176,000 |
$147,000 | $390,000 |
$49,000 | $100,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
306 | $31,825,000 |
$104,000 | $1,104,000 |
$94,000 | $1,526,000 |
| 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 |
8 | $454,000 |
$56,000 | $119,000 |
$37,000 | $96,000 |
| Debt-To-Income Ratio |
5 | $140,000 |
$28,000 | $50,000 |
$25,000 | $40,000 |
| 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 |
1 | $95,000 |
$95,000 | $95,000 |
$15,000 | $15,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF GRIFFIN by:
Metropolitan Area And
County
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