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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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NATIONAL BK OF FREDERICKSBURG
Mortgage Loans and Application Details
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| Mortgage Company Name |
NATIONAL BK OF FREDERICKSBURG |
| Address | P. O. BOX 7207
FREDERICKSBURG, VA 22404-7207 |
| 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 | 301 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,702,000 |
| Average Mortgage Loan Amount Applied For | $186,375 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $120,875 |
| Highest Applicant Income | $1,333,000 |
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| Home Improvement |
174 | $5,117,000 |
$29,000 | $250,000 |
$79,000 | $500,000 |
| Home Purchase |
47 | $11,531,000 |
$245,000 | $2,000,000 |
$129,000 | $690,000 |
| Refinancing |
80 | $12,054,000 |
$150,000 | $1,159,000 |
$150,000 | $1,333,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $25,000 |
$25,000 | $25,000 |
$408,000 | $408,000 |
| Black or African American |
27 | $731,000 |
$27,000 | $192,000 |
$56,000 | $223,000 |
| Hispanic |
4 | $102,000 |
$25,000 | $40,000 |
$54,000 | $87,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
16 | $5,265,000 |
$329,000 | $2,000,000 |
$39,000 | $629,000 |
| Not Provided |
1 | $12,000 |
$12,000 | $12,000 |
$120,000 | $120,000 |
| White |
252 | $22,567,000 |
$89,000 | $1,159,000 |
$115,000 | $1,333,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
301 | $28,702,000 |
$95,000 | $2,000,000 |
$106,000 | $1,333,000 |
| 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 |
7 | $706,000 |
$100,000 | $220,000 |
$110,000 | $260,000 |
| Application Denied By Financial Institution |
34 | $995,000 |
$29,000 | $120,000 |
$60,000 | $140,000 |
| Application Withdrawn By Applicant |
2 | $80,000 |
$40,000 | $50,000 |
$55,000 | $89,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
252 | $24,869,000 |
$98,000 | $2,000,000 |
$112,000 | $1,333,000 |
| Loan Purchased By The Institution |
6 | $2,052,000 |
$342,000 | $849,000 |
$109,000 | $396,000 |
| 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 | $36,000 |
$36,000 | $36,000 |
$58,000 | $58,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $236,000 |
$19,000 | $50,000 |
$60,000 | $140,000 |
| Debt-To-Income Ratio |
18 | $548,000 |
$30,000 | $100,000 |
$57,000 | $133,000 |
| 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 |
1 | $30,000 |
$30,000 | $30,000 |
$87,000 | $87,000 |
| Unverifiable Information |
2 | $145,000 |
$72,000 | $120,000 |
$71,000 | $73,000 |
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Mortgage Loan App Totals for NATIONAL BK OF FREDERICKSBURG by:
Metropolitan Area And
County
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