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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 NATIONAL BANK OF GEORGIA
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE NATIONAL BANK OF GEORGIA |
| Address | 2234 WEST BROAD ST
ATHENS, GA 30606 |
| 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 | 472 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $78,604,000 |
| Average Mortgage Loan Amount Applied For | $202,566 |
| Highest Mortgage Loan Amount Applied For | $1,244,000 |
| Average Applicant Income | $109,700 |
| Highest Applicant Income | $1,101,000 |
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| Home Improvement |
36 | $3,226,000 |
$89,000 | $421,000 |
$172,000 | $1,101,000 |
| Home Purchase |
150 | $24,282,000 |
$161,000 | $710,000 |
$151,000 | $866,000 |
| Refinancing |
286 | $51,096,000 |
$178,000 | $1,244,000 |
$96,000 | $1,058,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $321,000 |
$160,000 | $191,000 |
$110,000 | $200,000 |
| Black or African American |
2 | $252,000 |
$126,000 | $167,000 |
$127,000 | $216,000 |
| Hispanic |
1 | $152,000 |
$152,000 | $152,000 |
$200,000 | $200,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $207,000 |
$207,000 | $207,000 |
$61,000 | $61,000 |
| Not applicable |
105 | $22,944,000 |
$218,000 | $1,244,000 |
$0 | $0 |
| Not Provided |
2 | $160,000 |
$80,000 | $157,000 |
$60,000 | $99,000 |
| White |
359 | $54,568,000 |
$152,000 | $1,200,000 |
$155,000 | $1,101,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
470 | $78,332,000 |
$166,000 | $1,244,000 |
$120,000 | $1,101,000 |
| FHA-insured (Federal Housing Administration) |
2 | $272,000 |
$136,000 | $168,000 |
$43,000 | $47,000 |
| 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 |
20 | $2,994,000 |
$149,000 | $317,000 |
$136,000 | $810,000 |
| Application Denied By Financial Institution |
9 | $2,271,000 |
$252,000 | $1,200,000 |
$85,000 | $204,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
443 | $73,339,000 |
$165,000 | $1,244,000 |
$119,000 | $1,101,000 |
| 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 |
3 | $139,000 |
$46,000 | $126,000 |
$98,000 | $204,000 |
| Debt-To-Income Ratio |
4 | $1,784,000 |
$446,000 | $1,200,000 |
$43,000 | $82,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $191,000 |
$191,000 | $191,000 |
$200,000 | $200,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $157,000 |
$157,000 | $157,000 |
$99,000 | $99,000 |
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Mortgage Loan App Totals for THE NATIONAL BANK OF GEORGIA by:
Metropolitan Area And
County
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