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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 SPTBG
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK OF SPTBG |
| Address | P.O. BOX 3508
SPARTANBURG, SC 29304 |
| 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 | 171 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $31,840,000 |
| Average Mortgage Loan Amount Applied For | $220,785 |
| Highest Mortgage Loan Amount Applied For | $2,070,000 |
| Average Applicant Income | $151,071 |
| Highest Applicant Income | $1,165,000 |
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| Home Improvement |
17 | $1,128,000 |
$66,000 | $480,000 |
$60,000 | $180,000 |
| Home Purchase |
80 | $12,060,000 |
$150,000 | $1,080,000 |
$80,000 | $634,000 |
| Refinancing |
74 | $18,652,000 |
$252,000 | $2,070,000 |
$75,000 | $1,165,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $25,000 |
$25,000 | $25,000 |
$124,000 | $124,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $319,000 |
$319,000 | $319,000 |
$230,000 | $230,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
70 | $16,458,000 |
$235,000 | $2,070,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
99 | $15,038,000 |
$151,000 | $1,080,000 |
$128,000 | $1,165,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
171 | $31,840,000 |
$186,000 | $2,070,000 |
$76,000 | $1,165,000 |
| 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 |
4 | $201,000 |
$50,000 | $109,000 |
$36,000 | $69,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
167 | $31,639,000 |
$189,000 | $2,070,000 |
$77,000 | $1,165,000 |
| 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 |
3 | $194,000 |
$64,000 | $109,000 |
$42,000 | $69,000 |
| Debt-To-Income Ratio |
1 | $7,000 |
$7,000 | $7,000 |
$18,000 | $18,000 |
| 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 SPTBG by:
Metropolitan Area And
County
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