|
|
| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
|
|
|
|
|
|
FIRST NTNL BANK OF SHELBY CO
Mortgage Loans and Application Details
|
|
|
|
| Mortgage Company Name |
FIRST NTNL BANK OF SHELBY CO |
| Address | P.O. BOX 977
COLUMBIANA, AL 35051 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 109 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,315,000 |
| Average Mortgage Loan Amount Applied For | $75,333 |
| Highest Mortgage Loan Amount Applied For | $1,058,000 |
| Average Applicant Income | $74,500 |
| Highest Applicant Income | $258,000 |
|
|
|
| Home Improvement |
64 | $508,000 |
$7,000 | $110,000 |
$34,000 | $195,000 |
| Home Purchase |
15 | $1,180,000 |
$78,000 | $391,000 |
$56,000 | $189,000 |
| Refinancing |
30 | $2,627,000 |
$87,000 | $1,058,000 |
$51,000 | $258,000 |
|
|
| American Indian or Alaskan Native |
1 | $3,000 |
$3,000 | $3,000 |
$17,000 | $17,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
15 | $86,000 |
$5,000 | $32,000 |
$34,000 | $50,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $469,000 |
$234,000 | $391,000 |
$0 | $0 |
| Not Provided |
1 | $3,000 |
$3,000 | $3,000 |
$39,000 | $39,000 |
| White |
90 | $3,754,000 |
$41,000 | $1,058,000 |
$54,000 | $258,000 |
|
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
109 | $4,315,000 |
$39,000 | $1,058,000 |
$44,000 | $258,000 |
| 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 |
|
|
| Application Approved But Not Accepted |
4 | $179,000 |
$44,000 | $50,000 |
$33,000 | $83,000 |
| Application Denied By Financial Institution |
12 | $435,000 |
$36,000 | $126,000 |
$45,000 | $189,000 |
| Application Withdrawn By Applicant |
1 | $3,000 |
$3,000 | $3,000 |
$24,000 | $24,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
92 | $3,698,000 |
$40,000 | $1,058,000 |
$47,000 | $258,000 |
| 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 |
|
|
| Collateral |
2 | $5,000 |
$2,000 | $3,000 |
$34,000 | $50,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $241,000 |
$30,000 | $126,000 |
$25,000 | $48,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
2 | $189,000 |
$94,000 | $110,000 |
$105,000 | $189,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
Mortgage Loan App Totals for FIRST NTNL BANK OF SHELBY CO by:
Metropolitan Area And
County
|
|
|
|
|
Copyright ©2008 AllMortgageDetail.com All rights reserved.
|
|
