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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 TEXAS
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK TEXAS |
| Address | 507 N. GRAY STREET
KILLEEN, TX 76541 |
| 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 | 1,287 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $123,462,000 |
| Average Mortgage Loan Amount Applied For | $40,924 |
| Highest Mortgage Loan Amount Applied For | $634,000 |
| Average Applicant Income | $51,253 |
| Highest Applicant Income | $1,463,000 |
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| Home Improvement |
322 | $5,506,000 |
$17,000 | $300,000 |
$55,000 | $552,000 |
| Home Purchase |
944 | $115,454,000 |
$122,000 | $634,000 |
$60,000 | $1,463,000 |
| Refinancing |
28 | $2,956,000 |
$105,000 | $400,000 |
$81,000 | $342,000 |
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| American Indian or Alaskan Native |
4 | $276,000 |
$69,000 | $126,000 |
$42,000 | $82,000 |
| Asian |
21 | $2,080,000 |
$99,000 | $173,000 |
$55,000 | $200,000 |
| Black or African American |
236 | $26,302,000 |
$111,000 | $339,000 |
$60,000 | $414,000 |
| Hispanic |
244 | $21,084,000 |
$86,000 | $397,000 |
$53,000 | $420,000 |
| Native Hawaiin or Other Pacific Islander |
9 | $989,000 |
$109,000 | $229,000 |
$42,000 | $73,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
173 | $4,598,000 |
$26,000 | $536,000 |
$57,000 | $552,000 |
| White |
607 | $68,587,000 |
$112,000 | $634,000 |
$63,000 | $1,463,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
480 | $23,112,000 |
$48,000 | $634,000 |
$64,000 | $1,463,000 |
| FHA-insured (Federal Housing Administration) |
130 | $12,396,000 |
$95,000 | $208,000 |
$48,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $72,000 |
$72,000 | $72,000 |
$30,000 | $30,000 |
| VA-guaranteed (Veterans Administration) |
683 | $88,336,000 |
$129,000 | $401,000 |
$58,000 | $167,000 |
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| Application Approved But Not Accepted |
63 | $6,811,000 |
$108,000 | $330,000 |
$52,000 | $203,000 |
| Application Denied By Financial Institution |
316 | $7,236,000 |
$22,000 | $300,000 |
$50,000 | $552,000 |
| Application Withdrawn By Applicant |
18 | $1,634,000 |
$90,000 | $307,000 |
$63,000 | $143,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
890 | $107,781,000 |
$121,000 | $634,000 |
$63,000 | $1,463,000 |
| 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 | $454,000 |
$64,000 | $123,000 |
$22,000 | $46,000 |
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| Collateral |
5 | $345,000 |
$69,000 | $199,000 |
$79,000 | $204,000 |
| Credit Application Incomplete |
22 | $311,000 |
$14,000 | $50,000 |
$53,000 | $156,000 |
| Credit History |
263 | $4,746,000 |
$18,000 | $300,000 |
$49,000 | $552,000 |
| Debt-To-Income Ratio |
15 | $865,000 |
$57,000 | $194,000 |
$42,000 | $84,000 |
| Employment History |
10 | $508,000 |
$50,000 | $123,000 |
$28,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
7 | $816,000 |
$116,000 | $223,000 |
$55,000 | $96,000 |
| Unverifiable Information |
1 | $99,000 |
$99,000 | $99,000 |
$42,000 | $42,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK TEXAS by:
Metropolitan Area And
County
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