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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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FNB BANK, INC.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FNB BANK, INC. |
| Address | 105 NORTH HIGH STREET
ROMNEY, WV 26757 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 198 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,827,000 |
| Average Mortgage Loan Amount Applied For | $130,200 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $600,000 |
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| Home Improvement |
24 | $1,594,000 |
$66,000 | $229,000 |
$46,000 | $115,000 |
| Home Purchase |
74 | $7,539,000 |
$101,000 | $800,000 |
$52,000 | $297,000 |
| Refinancing |
100 | $9,694,000 |
$96,000 | $567,000 |
$50,000 | $600,000 |
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| American Indian or Alaskan Native |
1 | $280,000 |
$280,000 | $280,000 |
$297,000 | $297,000 |
| Asian |
2 | $328,000 |
$164,000 | $208,000 |
$99,000 | $168,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $22,000 |
$22,000 | $22,000 |
$21,000 | $21,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $3,328,000 |
$302,000 | $800,000 |
$0 | $0 |
| Not Provided |
1 | $50,000 |
$50,000 | $50,000 |
$52,000 | $52,000 |
| White |
182 | $14,819,000 |
$81,000 | $550,000 |
$52,000 | $600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
198 | $18,827,000 |
$95,000 | $800,000 |
$50,000 | $600,000 |
| 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 |
10 | $746,000 |
$74,000 | $153,000 |
$45,000 | $115,000 |
| Application Denied By Financial Institution |
30 | $2,101,000 |
$70,000 | $132,000 |
$31,000 | $83,000 |
| Application Withdrawn By Applicant |
9 | $1,300,000 |
$144,000 | $313,000 |
$79,000 | $297,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
149 | $14,680,000 |
$98,000 | $800,000 |
$53,000 | $600,000 |
| 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 | $40,000 |
$40,000 | $40,000 |
$52,000 | $52,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
14 | $782,000 |
$55,000 | $130,000 |
$34,000 | $83,000 |
| Debt-To-Income Ratio |
11 | $1,109,000 |
$100,000 | $132,000 |
$25,000 | $49,000 |
| Employment History |
2 | $70,000 |
$35,000 | $40,000 |
$23,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $100,000 |
$50,000 | $80,000 |
$41,000 | $44,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FNB BANK, INC. by:
Metropolitan Area And
County
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