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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 LEXINGT
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF LEXINGT |
| Address | 2404 SIR BARTON WAY
LEXINGTON, KY 40509 |
| 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 | 70 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,076,000 |
| Average Mortgage Loan Amount Applied For | $155,823 |
| Highest Mortgage Loan Amount Applied For | $858,000 |
| Average Applicant Income | $68,294 |
| Highest Applicant Income | $565,000 |
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| Home Improvement |
2 | $143,000 |
$71,000 | $130,000 |
$137,000 | $207,000 |
| Home Purchase |
45 | $7,434,000 |
$165,000 | $858,000 |
$55,000 | $165,000 |
| Refinancing |
26 | $4,041,000 |
$155,000 | $433,000 |
$79,000 | $565,000 |
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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 |
3 | $514,000 |
$171,000 | $210,000 |
$96,000 | $119,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $1,423,000 |
$142,000 | $463,000 |
$7,000 | $72,000 |
| Not Provided |
3 | $326,000 |
$108,000 | $140,000 |
$215,000 | $565,000 |
| White |
57 | $9,355,000 |
$164,000 | $858,000 |
$67,000 | $207,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
73 | $11,618,000 |
$159,000 | $858,000 |
$66,000 | $565,000 |
| 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 |
5 | $1,178,000 |
$235,000 | $765,000 |
$49,000 | $113,000 |
| Application Denied By Financial Institution |
7 | $1,033,000 |
$147,000 | $319,000 |
$42,000 | $93,000 |
| Application Withdrawn By Applicant |
3 | $392,000 |
$130,000 | $210,000 |
$54,000 | $62,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
58 | $9,015,000 |
$155,000 | $858,000 |
$71,000 | $565,000 |
| 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 |
1 | $130,000 |
$130,000 | $130,000 |
$67,000 | $67,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $493,000 |
$123,000 | $155,000 |
$47,000 | $93,000 |
| Debt-To-Income Ratio |
2 | $410,000 |
$205,000 | $319,000 |
$22,000 | $45,000 |
| 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 LEXINGT by:
Metropolitan Area And
County
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