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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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THE FARMERS NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FARMERS NATIONAL BANK |
| Address | 5290 SCOTTSVILLE RD
BOWLING GREEN, KY 42104 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 230 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,628,000 |
| Average Mortgage Loan Amount Applied For | $32,111 |
| Highest Mortgage Loan Amount Applied For | $320,000 |
| Average Applicant Income | $46,222 |
| Highest Applicant Income | $398,000 |
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| Home Improvement |
82 | $872,000 |
$10,000 | $80,000 |
$40,000 | $137,000 |
| Home Purchase |
63 | $4,647,000 |
$73,000 | $203,000 |
$43,000 | $135,000 |
| Refinancing |
85 | $6,109,000 |
$71,000 | $320,000 |
$52,000 | $398,000 |
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| American Indian or Alaskan Native |
1 | $6,000 |
$6,000 | $6,000 |
$70,000 | $70,000 |
| Asian |
1 | $180,000 |
$180,000 | $180,000 |
$45,000 | $45,000 |
| Black or African American |
1 | $24,000 |
$24,000 | $24,000 |
$23,000 | $23,000 |
| Hispanic |
1 | $3,000 |
$3,000 | $3,000 |
$50,000 | $50,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $3,000 |
$3,000 | $3,000 |
$80,000 | $80,000 |
| White |
225 | $11,412,000 |
$50,000 | $320,000 |
$45,000 | $398,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
230 | $11,628,000 |
$50,000 | $320,000 |
$45,000 | $398,000 |
| 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 |
31 | $1,980,000 |
$63,000 | $200,000 |
$45,000 | $135,000 |
| Application Denied By Financial Institution |
46 | $2,080,000 |
$45,000 | $320,000 |
$34,000 | $80,000 |
| Application Withdrawn By Applicant |
7 | $655,000 |
$93,000 | $126,000 |
$21,000 | $44,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
145 | $6,860,000 |
$47,000 | $250,000 |
$50,000 | $398,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $53,000 |
$53,000 | $53,000 |
$36,000 | $36,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
2 | $110,000 |
$55,000 | $100,000 |
$33,000 | $40,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
25 | $1,387,000 |
$55,000 | $320,000 |
$33,000 | $71,000 |
| Debt-To-Income Ratio |
15 | $418,000 |
$27,000 | $198,000 |
$37,000 | $80,000 |
| Employment History |
2 | $98,000 |
$49,000 | $68,000 |
$24,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $58,000 |
$58,000 | $58,000 |
$19,000 | $19,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $9,000 |
$9,000 | $9,000 |
$65,000 | $65,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE FARMERS NATIONAL BANK by:
Metropolitan Area And
County
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