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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 & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK & TRUST |
| Address | 29 NE EGLIN PARKWAY
FORT WALTON BEACH, FL 32548 |
| 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 | 44 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,196,000 |
| Average Mortgage Loan Amount Applied For | $112,833 |
| Highest Mortgage Loan Amount Applied For | $2,278,000 |
| Average Applicant Income | $416,166 |
| Highest Applicant Income | $2,183,000 |
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| Home Improvement |
29 | $493,000 |
$17,000 | $201,000 |
$44,000 | $139,000 |
| Home Purchase |
11 | $5,116,000 |
$465,000 | $2,278,000 |
$442,000 | $2,183,000 |
| Refinancing |
4 | $587,000 |
$146,000 | $400,000 |
$66,000 | $148,000 |
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| American Indian or Alaskan Native |
1 | $2,000 |
$2,000 | $2,000 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $163,000 |
$81,000 | $155,000 |
$48,000 | $72,000 |
| Hispanic |
1 | $1,000 |
$1,000 | $1,000 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $3,000 |
$3,000 | $3,000 |
$30,000 | $30,000 |
| Not applicable |
3 | $308,000 |
$102,000 | $160,000 |
$621,000 | $1,863,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
36 | $5,719,000 |
$158,000 | $2,278,000 |
$123,000 | $2,183,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
44 | $6,196,000 |
$140,000 | $2,278,000 |
$146,000 | $2,183,000 |
| 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 |
9 | $147,000 |
$16,000 | $100,000 |
$36,000 | $58,000 |
| Application Withdrawn By Applicant |
2 | $415,000 |
$207,000 | $400,000 |
$116,000 | $148,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
33 | $5,634,000 |
$170,000 | $2,278,000 |
$178,000 | $2,183,000 |
| 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 |
4 | $17,000 |
$4,000 | $8,000 |
$31,000 | $45,000 |
| Debt-To-Income Ratio |
5 | $130,000 |
$26,000 | $100,000 |
$40,000 | $58,000 |
| 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 & TRUST by:
Metropolitan Area And
County
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