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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FIRST NATIONAL BANK |
| Address | 511 LAKE LAND BOULEVARD
MATTOOON, IL 61938 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 97 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,280,000 |
| Average Mortgage Loan Amount Applied For | $91,250 |
| Highest Mortgage Loan Amount Applied For | $283,000 |
| Average Applicant Income | $67,666 |
| Highest Applicant Income | $263,000 |
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| Home Improvement |
17 | $626,000 |
$36,000 | $121,000 |
$87,000 | $180,000 |
| Home Purchase |
48 | $3,985,000 |
$83,000 | $283,000 |
$68,000 | $263,000 |
| Refinancing |
32 | $2,669,000 |
$83,000 | $255,000 |
$63,000 | $145,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $536,000 |
$178,000 | $283,000 |
$116,000 | $135,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $52,000 |
$26,000 | $30,000 |
$135,000 | $176,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $122,000 |
$61,000 | $72,000 |
$75,000 | $115,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
90 | $6,570,000 |
$73,000 | $255,000 |
$66,000 | $263,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
97 | $7,280,000 |
$75,000 | $283,000 |
$69,000 | $263,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
9 | $642,000 |
$71,000 | $135,000 |
$61,000 | $263,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
88 | $6,638,000 |
$75,000 | $283,000 |
$70,000 | $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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $358,000 |
$71,000 | $120,000 |
$90,000 | $263,000 |
| Debt-To-Income Ratio |
3 | $249,000 |
$83,000 | $135,000 |
$28,000 | $68,000 |
| Employment History |
1 | $35,000 |
$35,000 | $35,000 |
$14,000 | $14,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE FIRST NATIONAL BANK by:
Metropolitan Area And
County
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