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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 BANKER'S BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST NATIONAL BANKER'S BANK |
| Address | 7813 OFFICE PARK BLVD
BATON ROUGE, LA 70809 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 745 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $101,287,000 |
| Average Mortgage Loan Amount Applied For | $137,750 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $80,611 |
| Highest Applicant Income | $2,000,000 |
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| Home Improvement |
15 | $2,283,000 |
$152,000 | $393,000 |
$110,000 | $720,000 |
| Home Purchase |
468 | $64,432,000 |
$137,000 | $700,000 |
$70,000 | $2,000,000 |
| Refinancing |
262 | $34,572,000 |
$131,000 | $800,000 |
$77,000 | $1,943,000 |
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| American Indian or Alaskan Native |
4 | $356,000 |
$89,000 | $133,000 |
$59,000 | $80,000 |
| Asian |
3 | $694,000 |
$231,000 | $490,000 |
$45,000 | $60,000 |
| Black or African American |
74 | $8,168,000 |
$110,000 | $329,000 |
$47,000 | $203,000 |
| Hispanic |
14 | $1,826,000 |
$130,000 | $280,000 |
$61,000 | $144,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $50,000 |
$50,000 | $50,000 |
$51,000 | $51,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
5 | $773,000 |
$154,000 | $399,000 |
$439,000 | $1,943,000 |
| White |
644 | $89,420,000 |
$138,000 | $800,000 |
$74,000 | $2,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
706 | $97,788,000 |
$138,000 | $800,000 |
$75,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
39 | $3,499,000 |
$89,000 | $170,000 |
$41,000 | $70,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
150 | $21,647,000 |
$144,000 | $700,000 |
$74,000 | $390,000 |
| Application Denied By Financial Institution |
198 | $25,666,000 |
$129,000 | $617,000 |
$80,000 | $2,000,000 |
| Application Withdrawn By Applicant |
20 | $2,437,000 |
$121,000 | $300,000 |
$75,000 | $422,000 |
| File Closed For Incompleteness |
4 | $592,000 |
$148,000 | $292,000 |
$72,000 | $128,000 |
| Loan Originated |
373 | $50,945,000 |
$136,000 | $800,000 |
$69,000 | $720,000 |
| 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 |
24 | $2,685,000 |
$111,000 | $380,000 |
$168,000 | $2,000,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
102 | $12,282,000 |
$120,000 | $490,000 |
$60,000 | $257,000 |
| Debt-To-Income Ratio |
51 | $7,800,000 |
$152,000 | $617,000 |
$87,000 | $1,943,000 |
| Employment History |
3 | $373,000 |
$124,000 | $148,000 |
$48,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
7 | $794,000 |
$113,000 | $182,000 |
$54,000 | $71,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $998,000 |
$166,000 | $416,000 |
$69,000 | $120,000 |
| Unverifiable Information |
5 | $734,000 |
$146,000 | $242,000 |
$64,000 | $125,000 |
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Mortgage Loan App Totals for FIRST NATIONAL BANKER'S BANK by:
Metropolitan Area And
County
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