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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 | P O BOX 730
TORRINGTON, WY 82240 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 120 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,107,000 |
| Average Mortgage Loan Amount Applied For | $63,000 |
| Highest Mortgage Loan Amount Applied For | $312,000 |
| Average Applicant Income | $69,250 |
| Highest Applicant Income | $300,000 |
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| Home Improvement |
9 | $291,000 |
$32,000 | $71,000 |
$98,000 | $170,000 |
| Home Purchase |
41 | $2,299,000 |
$56,000 | $180,000 |
$58,000 | $300,000 |
| Refinancing |
72 | $3,605,000 |
$50,000 | $312,000 |
$51,000 | $300,000 |
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| American Indian or Alaskan Native |
2 | $30,000 |
$15,000 | $22,000 |
$52,000 | $73,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
4 | $235,000 |
$58,000 | $125,000 |
$104,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $41,000 |
$41,000 | $41,000 |
$111,000 | $111,000 |
| Not Provided |
1 | $56,000 |
$56,000 | $56,000 |
$75,000 | $75,000 |
| White |
114 | $5,833,000 |
$51,000 | $312,000 |
$54,000 | $300,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
122 | $6,195,000 |
$50,000 | $312,000 |
$57,000 | $300,000 |
| 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 |
10 | $556,000 |
$55,000 | $160,000 |
$32,000 | $69,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
110 | $5,551,000 |
$50,000 | $312,000 |
$59,000 | $300,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $32,000 |
$32,000 | $32,000 |
$36,000 | $36,000 |
| Preapproval Denied by Financial Institution |
1 | $56,000 |
$56,000 | $56,000 |
$38,000 | $38,000 |
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| Collateral |
1 | $25,000 |
$25,000 | $25,000 |
$69,000 | $69,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $151,000 |
$30,000 | $56,000 |
$26,000 | $47,000 |
| Debt-To-Income Ratio |
4 | $398,000 |
$99,000 | $160,000 |
$27,000 | $42,000 |
| Employment History |
1 | $38,000 |
$38,000 | $38,000 |
$50,000 | $50,000 |
| 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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