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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 FIRST NATIONAL BANK AT PAR
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FIRST NATIONAL BANK AT PAR |
| Address | P.O. BOX 31
PARIS, AR 72855 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 206 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,421,000 |
| Average Mortgage Loan Amount Applied For | $72,700 |
| Highest Mortgage Loan Amount Applied For | $480,000 |
| Average Applicant Income | $48,500 |
| Highest Applicant Income | $269,000 |
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| Home Improvement |
16 | $767,000 |
$47,000 | $155,000 |
$65,000 | $156,000 |
| Home Purchase |
156 | $11,165,000 |
$71,000 | $480,000 |
$45,000 | $160,000 |
| Refinancing |
37 | $2,703,000 |
$73,000 | $403,000 |
$66,000 | $269,000 |
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| American Indian or Alaskan Native |
4 | $228,000 |
$57,000 | $117,000 |
$49,000 | $100,000 |
| Asian |
12 | $1,312,000 |
$109,000 | $480,000 |
$71,000 | $154,000 |
| Black or African American |
2 | $73,000 |
$36,000 | $58,000 |
$25,000 | $26,000 |
| Hispanic |
15 | $1,012,000 |
$67,000 | $94,000 |
$32,000 | $49,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $105,000 |
$52,000 | $62,000 |
$36,000 | $55,000 |
| White |
174 | $11,905,000 |
$68,000 | $403,000 |
$51,000 | $269,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
125 | $8,596,000 |
$68,000 | $480,000 |
$59,000 | $269,000 |
| FHA-insured (Federal Housing Administration) |
34 | $2,277,000 |
$66,000 | $162,000 |
$42,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
47 | $3,535,000 |
$75,000 | $160,000 |
$34,000 | $106,000 |
| VA-guaranteed (Veterans Administration) |
3 | $227,000 |
$75,000 | $114,000 |
$59,000 | $102,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
35 | $2,241,000 |
$64,000 | $150,000 |
$31,000 | $75,000 |
| Application Withdrawn By Applicant |
23 | $1,692,000 |
$73,000 | $150,000 |
$48,000 | $133,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
145 | $10,118,000 |
$69,000 | $480,000 |
$55,000 | $269,000 |
| 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 |
6 | $584,000 |
$97,000 | $160,000 |
$61,000 | $106,000 |
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| Collateral |
1 | $77,000 |
$77,000 | $77,000 |
$39,000 | $39,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
24 | $1,451,000 |
$60,000 | $150,000 |
$30,000 | $63,000 |
| Debt-To-Income Ratio |
4 | $308,000 |
$77,000 | $106,000 |
$51,000 | $65,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
3 | $254,000 |
$84,000 | $110,000 |
$58,000 | $75,000 |
| Other |
8 | $679,000 |
$84,000 | $160,000 |
$38,000 | $106,000 |
| Unverifiable Information |
1 | $56,000 |
$56,000 | $56,000 |
$15,000 | $15,000 |
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Mortgage Loan App Totals for THE FIRST NATIONAL BANK AT PAR by:
Metropolitan Area And
County
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