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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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FIRST NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK |
| Address | 112 W. MARKET ST.
ORRVILLE, OH 44667 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 145 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,292,000 |
| Average Mortgage Loan Amount Applied For | $209,454 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $188,636 |
| Highest Applicant Income | $1,670,000 |
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| Home Improvement |
11 | $472,000 |
$42,000 | $160,000 |
$106,000 | $533,000 |
| Home Purchase |
56 | $7,411,000 |
$132,000 | $1,200,000 |
$120,000 | $1,670,000 |
| Refinancing |
85 | $8,143,000 |
$95,000 | $325,000 |
$59,000 | $254,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $80,000 |
$80,000 | $80,000 |
$88,000 | $88,000 |
| Black or African American |
2 | $61,000 |
$30,000 | $32,000 |
$135,000 | $165,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $2,360,000 |
$337,000 | $1,200,000 |
$264,000 | $1,670,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
142 | $13,525,000 |
$95,000 | $325,000 |
$75,000 | $1,463,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
152 | $16,026,000 |
$105,000 | $1,200,000 |
$85,000 | $1,670,000 |
| 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 |
3 | $265,000 |
$88,000 | $102,000 |
$44,000 | $72,000 |
| Application Denied By Financial Institution |
19 | $3,500,000 |
$184,000 | $1,200,000 |
$50,000 | $115,000 |
| Application Withdrawn By Applicant |
6 | $430,000 |
$71,000 | $102,000 |
$34,000 | $53,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
117 | $11,097,000 |
$94,000 | $319,000 |
$97,000 | $1,670,000 |
| 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 |
7 | $734,000 |
$104,000 | $181,000 |
$40,000 | $63,000 |
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| Collateral |
4 | $352,000 |
$88,000 | $120,000 |
$65,000 | $115,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $994,000 |
$76,000 | $181,000 |
$48,000 | $88,000 |
| Debt-To-Income Ratio |
7 | $2,655,000 |
$379,000 | $1,200,000 |
$39,000 | $112,000 |
| Employment History |
2 | $233,000 |
$116,000 | $133,000 |
$37,000 | $37,000 |
| 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 by:
Metropolitan Area And
County
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