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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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ANB FINANCIAL N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
ANB FINANCIAL N.A. |
| Address | P. O. BOX 699
BENTONVILLE, AR 72712 |
| 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 | 993 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $151,500,000 |
| Average Mortgage Loan Amount Applied For | $178,552 |
| Highest Mortgage Loan Amount Applied For | $9,725,000 |
| Average Applicant Income | $121,031 |
| Highest Applicant Income | $2,925,000 |
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| Home Improvement |
7 | $11,001,000 |
$1,571,000 | $9,725,000 |
$69,000 | $193,000 |
| Home Purchase |
538 | $72,485,000 |
$134,000 | $1,365,000 |
$99,000 | $2,925,000 |
| Refinancing |
448 | $68,014,000 |
$151,000 | $1,540,000 |
$80,000 | $624,000 |
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| American Indian or Alaskan Native |
5 | $498,000 |
$99,000 | $176,000 |
$51,000 | $84,000 |
| Asian |
19 | $2,988,000 |
$157,000 | $280,000 |
$148,000 | $450,000 |
| Black or African American |
40 | $5,153,000 |
$128,000 | $350,000 |
$103,000 | $564,000 |
| Hispanic |
56 | $6,085,000 |
$108,000 | $296,000 |
$140,000 | $2,925,000 |
| Native Hawaiin or Other Pacific Islander |
5 | $1,650,000 |
$330,000 | $850,000 |
$87,000 | $114,000 |
| Not applicable |
27 | $15,629,000 |
$578,000 | $9,725,000 |
$5,000 | $156,000 |
| Not Provided |
59 | $10,718,000 |
$181,000 | $1,540,000 |
$53,000 | $340,000 |
| White |
782 | $108,779,000 |
$139,000 | $1,365,000 |
$91,000 | $1,150,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
955 | $146,910,000 |
$153,000 | $9,725,000 |
$92,000 | $2,925,000 |
| FHA-insured (Federal Housing Administration) |
26 | $3,133,000 |
$120,000 | $200,000 |
$51,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
3 | $346,000 |
$115,000 | $128,000 |
$39,000 | $49,000 |
| VA-guaranteed (Veterans Administration) |
9 | $1,111,000 |
$123,000 | $186,000 |
$49,000 | $99,000 |
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| Application Approved But Not Accepted |
18 | $2,779,000 |
$154,000 | $367,000 |
$51,000 | $88,000 |
| Application Denied By Financial Institution |
132 | $18,154,000 |
$137,000 | $850,000 |
$66,000 | $806,000 |
| Application Withdrawn By Applicant |
86 | $11,314,000 |
$131,000 | $450,000 |
$82,000 | $450,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
757 | $119,253,000 |
$157,000 | $9,725,000 |
$97,000 | $2,925,000 |
| 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 |
25 | $5,064,000 |
$202,000 | $850,000 |
$145,000 | $806,000 |
| Credit Application Incomplete |
2 | $214,000 |
$107,000 | $144,000 |
$73,000 | $107,000 |
| Credit History |
53 | $5,278,000 |
$99,000 | $368,000 |
$41,000 | $120,000 |
| Debt-To-Income Ratio |
12 | $1,761,000 |
$146,000 | $500,000 |
$34,000 | $71,000 |
| Employment History |
7 | $1,531,000 |
$218,000 | $606,000 |
$30,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
14 | $1,925,000 |
$137,000 | $500,000 |
$74,000 | $516,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
16 | $1,899,000 |
$118,000 | $227,000 |
$61,000 | $168,000 |
| Unverifiable Information |
3 | $482,000 |
$160,000 | $386,000 |
$50,000 | $96,000 |
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Mortgage Loan App Totals for ANB FINANCIAL N.A. by:
Metropolitan Area And
County
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