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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 BNK OF LI
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FIRST NATIONAL BNK OF LI |
| Address | 30 GLEN HEAD ROAD
GLEN HEAD, NY 11545 |
| 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 | 299 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $62,094,000 |
| Average Mortgage Loan Amount Applied For | $367,090 |
| Highest Mortgage Loan Amount Applied For | $3,500,000 |
| Average Applicant Income | $221,090 |
| Highest Applicant Income | $7,000,000 |
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| Home Improvement |
22 | $1,950,000 |
$88,000 | $250,000 |
$173,000 | $864,000 |
| Home Purchase |
34 | $17,539,000 |
$515,000 | $3,500,000 |
$424,000 | $3,393,000 |
| Refinancing |
243 | $42,605,000 |
$175,000 | $2,600,000 |
$215,000 | $7,000,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
10 | $2,696,000 |
$269,000 | $1,500,000 |
$224,000 | $780,000 |
| Black or African American |
1 | $350,000 |
$350,000 | $350,000 |
$99,000 | $99,000 |
| Hispanic |
8 | $1,468,000 |
$183,000 | $731,000 |
$240,000 | $1,500,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $200,000 |
$200,000 | $200,000 |
$306,000 | $306,000 |
| Not applicable |
6 | $7,073,000 |
$1,178,000 | $2,600,000 |
$0 | $0 |
| Not Provided |
10 | $1,783,000 |
$178,000 | $475,000 |
$263,000 | $1,560,000 |
| White |
263 | $48,524,000 |
$184,000 | $3,500,000 |
$240,000 | $7,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
298 | $61,994,000 |
$208,000 | $3,500,000 |
$236,000 | $7,000,000 |
| FHA-insured (Federal Housing Administration) |
1 | $100,000 |
$100,000 | $100,000 |
$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 |
1 | $50,000 |
$50,000 | $50,000 |
$84,000 | $84,000 |
| Application Denied By Financial Institution |
8 | $911,000 |
$113,000 | $335,000 |
$196,000 | $955,000 |
| Application Withdrawn By Applicant |
28 | $3,437,000 |
$122,000 | $400,000 |
$298,000 | $1,500,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
247 | $54,813,000 |
$221,000 | $3,500,000 |
$240,000 | $7,000,000 |
| Loan Purchased By The Institution |
15 | $2,883,000 |
$192,000 | $291,000 |
$70,000 | $166,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $672,000 |
$168,000 | $335,000 |
$304,000 | $955,000 |
| Debt-To-Income Ratio |
3 | $199,000 |
$66,000 | $89,000 |
$90,000 | $121,000 |
| Employment History |
1 | $40,000 |
$40,000 | $40,000 |
$85,000 | $85,000 |
| 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 BNK OF LI by:
Metropolitan Area And
County
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