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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 USA
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANK USA |
| Address | P.O. BOX 508
BOUTTE, LA 70039 |
| 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 | 704 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $111,760,000 |
| Average Mortgage Loan Amount Applied For | $176,034 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $93,551 |
| Highest Applicant Income | $486,000 |
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| Home Improvement |
20 | $1,292,000 |
$64,000 | $312,000 |
$55,000 | $158,000 |
| Home Purchase |
438 | $68,446,000 |
$156,000 | $650,000 |
$67,000 | $486,000 |
| Refinancing |
246 | $42,022,000 |
$170,000 | $1,200,000 |
$74,000 | $399,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
8 | $924,000 |
$115,000 | $228,000 |
$104,000 | $128,000 |
| Black or African American |
211 | $32,252,000 |
$152,000 | $417,000 |
$63,000 | $244,000 |
| Hispanic |
21 | $3,298,000 |
$157,000 | $220,000 |
$76,000 | $214,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
64 | $11,084,000 |
$173,000 | $1,200,000 |
$0 | $0 |
| Not Provided |
1 | $417,000 |
$417,000 | $417,000 |
$141,000 | $141,000 |
| White |
399 | $63,785,000 |
$159,000 | $710,000 |
$82,000 | $486,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
581 | $93,295,000 |
$160,000 | $1,200,000 |
$72,000 | $486,000 |
| FHA-insured (Federal Housing Administration) |
102 | $14,828,000 |
$145,000 | $254,000 |
$55,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
3 | $412,000 |
$137,000 | $150,000 |
$50,000 | $60,000 |
| VA-guaranteed (Veterans Administration) |
18 | $3,225,000 |
$179,000 | $289,000 |
$59,000 | $126,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
14 | $1,549,000 |
$110,000 | $243,000 |
$63,000 | $130,000 |
| Application Withdrawn By Applicant |
32 | $5,708,000 |
$178,000 | $400,000 |
$68,000 | $244,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
658 | $104,503,000 |
$158,000 | $1,200,000 |
$69,000 | $486,000 |
| 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 |
1 | $35,000 |
$35,000 | $35,000 |
$42,000 | $42,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $299,000 |
$59,000 | $150,000 |
$40,000 | $72,000 |
| Debt-To-Income Ratio |
6 | $823,000 |
$137,000 | $195,000 |
$77,000 | $127,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $149,000 |
$149,000 | $149,000 |
$50,000 | $50,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $243,000 |
$243,000 | $243,000 |
$130,000 | $130,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK USA by:
Metropolitan Area And
County
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