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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 94905
WICHITA FALLS, TX 76308 |
| 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 | 180 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,874,000 |
| Average Mortgage Loan Amount Applied For | $154,181 |
| Highest Mortgage Loan Amount Applied For | $1,090,000 |
| Average Applicant Income | $110,818 |
| Highest Applicant Income | $1,343,000 |
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| Home Improvement |
17 | $418,000 |
$24,000 | $56,000 |
$88,000 | $621,000 |
| Home Purchase |
130 | $12,980,000 |
$99,000 | $1,090,000 |
$104,000 | $1,343,000 |
| Refinancing |
33 | $3,476,000 |
$105,000 | $600,000 |
$127,000 | $801,000 |
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| American Indian or Alaskan Native |
3 | $197,000 |
$65,000 | $89,000 |
$47,000 | $97,000 |
| Asian |
6 | $787,000 |
$131,000 | $304,000 |
$170,000 | $621,000 |
| Black or African American |
5 | $350,000 |
$70,000 | $92,000 |
$52,000 | $106,000 |
| Hispanic |
9 | $422,000 |
$46,000 | $80,000 |
$96,000 | $275,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $902,000 |
$82,000 | $310,000 |
$165,000 | $801,000 |
| Not Provided |
1 | $32,000 |
$32,000 | $32,000 |
$96,000 | $96,000 |
| White |
145 | $14,184,000 |
$97,000 | $1,090,000 |
$104,000 | $1,343,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
175 | $16,478,000 |
$94,000 | $1,090,000 |
$109,000 | $1,343,000 |
| FHA-insured (Federal Housing Administration) |
3 | $205,000 |
$68,000 | $120,000 |
$20,000 | $30,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
2 | $191,000 |
$95,000 | $125,000 |
$47,000 | $56,000 |
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| Application Approved But Not Accepted |
16 | $1,445,000 |
$90,000 | $304,000 |
$96,000 | $621,000 |
| Application Denied By Financial Institution |
12 | $660,000 |
$55,000 | $105,000 |
$43,000 | $83,000 |
| Application Withdrawn By Applicant |
5 | $396,000 |
$79,000 | $125,000 |
$31,000 | $56,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
147 | $14,373,000 |
$97,000 | $1,090,000 |
$116,000 | $1,343,000 |
| 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 |
2 | $98,000 |
$49,000 | $68,000 |
$18,000 | $21,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $324,000 |
$54,000 | $95,000 |
$47,000 | $83,000 |
| Debt-To-Income Ratio |
2 | $169,000 |
$84,000 | $105,000 |
$48,000 | $60,000 |
| Employment History |
1 | $34,000 |
$34,000 | $34,000 |
$36,000 | $36,000 |
| 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 |
1 | $35,000 |
$35,000 | $35,000 |
$62,000 | $62,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANK by:
Metropolitan Area And
County
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