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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 SC
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF SC |
| Address | 801 GILWAY STREET
HOLLY HILL, SC 29059 |
| 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 | 62 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,177,000 |
| Average Mortgage Loan Amount Applied For | $59,400 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $69,200 |
| Highest Applicant Income | $288,000 |
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| Home Improvement |
7 | $332,000 |
$47,000 | $125,000 |
$86,000 | $220,000 |
| Home Purchase |
42 | $2,409,000 |
$57,000 | $750,000 |
$51,000 | $288,000 |
| Refinancing |
13 | $436,000 |
$33,000 | $67,000 |
$44,000 | $85,000 |
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| American Indian or Alaskan Native |
2 | $32,000 |
$16,000 | $16,000 |
$21,000 | $31,000 |
| Asian |
1 | $87,000 |
$87,000 | $87,000 |
$38,000 | $38,000 |
| Black or African American |
14 | $315,000 |
$22,000 | $56,000 |
$40,000 | $87,000 |
| Hispanic |
1 | $25,000 |
$25,000 | $25,000 |
$51,000 | $51,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $72,000 |
$72,000 | $72,000 |
$0 | $0 |
| Not Provided |
3 | $767,000 |
$255,000 | $750,000 |
$50,000 | $88,000 |
| White |
40 | $1,879,000 |
$46,000 | $170,000 |
$62,000 | $288,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
62 | $3,177,000 |
$51,000 | $750,000 |
$53,000 | $288,000 |
| 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 |
20 | $1,708,000 |
$85,000 | $750,000 |
$40,000 | $88,000 |
| Application Withdrawn By Applicant |
2 | $36,000 |
$18,000 | $28,000 |
$23,000 | $28,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
40 | $1,433,000 |
$35,000 | $125,000 |
$62,000 | $288,000 |
| 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 | $41,000 |
$41,000 | $41,000 |
$25,000 | $25,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $324,000 |
$32,000 | $56,000 |
$32,000 | $85,000 |
| Debt-To-Income Ratio |
5 | $345,000 |
$69,000 | $170,000 |
$45,000 | $85,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $909,000 |
$454,000 | $750,000 |
$74,000 | $88,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $89,000 |
$44,000 | $50,000 |
$42,000 | $45,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK OF SC by:
Metropolitan Area And
County
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