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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK |
| Address | 4416 EMERSON AVENUE
PARKERSBURG, WV 26104 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 33 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,587,000 |
| Average Mortgage Loan Amount Applied For | $149,500 |
| Highest Mortgage Loan Amount Applied For | $792,000 |
| Average Applicant Income | $109,250 |
| Highest Applicant Income | $402,000 |
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| Home Improvement |
5 | $37,000 |
$6,500 | $10,000 |
$24,000 | $35,000 |
| Home Purchase |
75 | $6,323,000 |
$90,000 | $792,000 |
$110,666 | $402,000 |
| Refinancing |
34 | $3,579,000 |
$121,333 | $480,000 |
$70,333 | $288,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $228,000 |
$94,500 | $150,000 |
$222,500 | $355,000 |
| Not Provided |
3 | $293,000 |
$97,000 | $160,000 |
$40,000 | $48,000 |
| White |
108 | $9,418,000 |
$112,666 | $792,000 |
$76,333 | $402,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
114 | $9,939,000 |
$111,333 | $792,000 |
$87,666 | $402,000 |
| 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 |
40 | $2,270,000 |
$71,000 | $219,000 |
$38,500 | $111,000 |
| Application Withdrawn By Applicant |
19 | $2,094,000 |
$148,000 | $792,000 |
$78,500 | $402,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
55 | $5,575,000 |
$110,666 | $321,000 |
$116,666 | $355,000 |
| 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 |
15 | $944,000 |
$69,000 | $160,000 |
$48,000 | $111,000 |
| Debt-To-Income Ratio |
4 | $348,000 |
$94,500 | $110,000 |
$31,000 | $36,000 |
| Employment History |
2 | $27,000 |
$13,000 | $22,000 |
$26,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
19 | $951,000 |
$50,000 | $219,000 |
$19,000 | $37,000 |
| 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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