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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 OF ST MARYS
Mortgage Loans and Application Details
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| Mortgage Company Name |
FNB OF ST MARYS |
| Address | PO BOX 180
ST MARYS, WV 26170-0180 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 58 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,384,000 |
| Average Mortgage Loan Amount Applied For | $63,500 |
| Highest Mortgage Loan Amount Applied For | $165,000 |
| Average Applicant Income | $49,200 |
| Highest Applicant Income | $147,000 |
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| Home Improvement |
9 | $207,000 |
$23,000 | $120,000 |
$53,000 | $76,000 |
| Home Purchase |
23 | $1,658,000 |
$74,500 | $165,000 |
$43,500 | $147,000 |
| Refinancing |
26 | $1,519,000 |
$60,000 | $146,000 |
$43,500 | $120,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
58 | $3,384,000 |
$63,500 | $165,000 |
$45,500 | $147,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
58 | $3,384,000 |
$63,500 | $165,000 |
$45,500 | $147,000 |
| 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 |
1 | $50,000 |
$50,000 | $50,000 |
$28,000 | $28,000 |
| Application Denied By Financial Institution |
11 | $834,000 |
$73,500 | $165,000 |
$43,000 | $147,000 |
| Application Withdrawn By Applicant |
5 | $287,000 |
$73,000 | $100,000 |
$39,000 | $53,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
41 | $2,213,000 |
$59,000 | $146,000 |
$48,500 | $120,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $447,000 |
$72,500 | $102,000 |
$58,000 | $147,000 |
| Debt-To-Income Ratio |
2 | $166,000 |
$83,000 | $116,000 |
$37,000 | $48,000 |
| 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 | $221,000 |
$110,500 | $165,000 |
$31,500 | $50,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FNB OF ST MARYS by:
Metropolitan Area And
County
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