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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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PARISH NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PARISH NATIONAL BANK |
| Address | 404 E KIRKLAND STREET
COVINGTON, LA 70433 |
| 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 | 690 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $100,901,000 |
| Average Mortgage Loan Amount Applied For | $202,742 |
| Highest Mortgage Loan Amount Applied For | $1,800,000 |
| Average Applicant Income | $103,400 |
| Highest Applicant Income | $1,200,000 |
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| Home Improvement |
138 | $4,686,000 |
$33,000 | $855,000 |
$53,000 | $300,000 |
| Home Purchase |
378 | $63,785,000 |
$168,000 | $1,800,000 |
$83,000 | $1,200,000 |
| Refinancing |
174 | $32,430,000 |
$186,000 | $1,000,000 |
$83,000 | $797,000 |
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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 |
25 | $2,957,000 |
$118,000 | $344,000 |
$52,000 | $154,000 |
| Hispanic |
8 | $1,532,000 |
$191,000 | $334,000 |
$82,000 | $210,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
39 | $10,127,000 |
$259,000 | $1,800,000 |
$133,000 | $797,000 |
| Not Provided |
1 | $150,000 |
$150,000 | $150,000 |
$54,000 | $54,000 |
| White |
617 | $86,135,000 |
$139,000 | $1,182,000 |
$75,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
665 | $97,397,000 |
$146,000 | $1,800,000 |
$78,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) |
21 | $2,817,000 |
$134,000 | $198,000 |
$61,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
4 | $687,000 |
$171,000 | $235,000 |
$51,000 | $72,000 |
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| Application Approved But Not Accepted |
12 | $1,992,000 |
$166,000 | $396,000 |
$57,000 | $120,000 |
| Application Denied By Financial Institution |
43 | $3,812,000 |
$88,000 | $1,050,000 |
$54,000 | $360,000 |
| Application Withdrawn By Applicant |
60 | $9,778,000 |
$162,000 | $350,000 |
$78,000 | $425,000 |
| File Closed For Incompleteness |
6 | $919,000 |
$153,000 | $250,000 |
$69,000 | $132,000 |
| Loan Originated |
569 | $84,400,000 |
$148,000 | $1,800,000 |
$79,000 | $1,200,000 |
| 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 | $198,000 |
$198,000 | $198,000 |
$75,000 | $75,000 |
| Credit Application Incomplete |
2 | $187,000 |
$93,000 | $123,000 |
$36,000 | $72,000 |
| Credit History |
26 | $606,000 |
$23,000 | $110,000 |
$41,000 | $184,000 |
| Debt-To-Income Ratio |
10 | $2,360,000 |
$236,000 | $1,050,000 |
$59,000 | $205,000 |
| Employment History |
1 | $25,000 |
$25,000 | $25,000 |
$25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $436,000 |
$145,000 | $200,000 |
$172,000 | $360,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PARISH NATIONAL BANK by:
Metropolitan Area And
County
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