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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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ANCHOR BANK HERITAGE
Mortgage Loans and Application Details
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| Mortgage Company Name |
ANCHOR BANK HERITAGE |
| Address | 2700 EAST 7TH AVENUE
NORTH ST PAUL, MN 55109 |
| 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 | 90 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,409,000 |
| Average Mortgage Loan Amount Applied For | $255,300 |
| Highest Mortgage Loan Amount Applied For | $1,400,000 |
| Average Applicant Income | $126,100 |
| Highest Applicant Income | $1,107,000 |
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| Home Improvement |
11 | $2,016,000 |
$183,000 | $550,000 |
$174,000 | $582,000 |
| Home Purchase |
54 | $16,482,000 |
$305,000 | $1,150,000 |
$137,000 | $1,107,000 |
| Refinancing |
25 | $5,911,000 |
$236,000 | $1,400,000 |
$78,000 | $359,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $760,000 |
$380,000 | $520,000 |
$126,000 | $157,000 |
| Black or African American |
1 | $204,000 |
$204,000 | $204,000 |
$79,000 | $79,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $4,499,000 |
$449,000 | $1,400,000 |
$0 | $0 |
| Not Provided |
3 | $900,000 |
$300,000 | $430,000 |
$121,000 | $256,000 |
| White |
74 | $18,046,000 |
$243,000 | $1,150,000 |
$143,000 | $1,107,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
90 | $24,409,000 |
$271,000 | $1,400,000 |
$125,000 | $1,107,000 |
| 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 |
3 | $208,000 |
$69,000 | $150,000 |
$47,000 | $99,000 |
| Application Denied By Financial Institution |
9 | $1,814,000 |
$201,000 | $320,000 |
$71,000 | $256,000 |
| Application Withdrawn By Applicant |
9 | $2,249,000 |
$249,000 | $477,000 |
$97,000 | $220,000 |
| File Closed For Incompleteness |
3 | $840,000 |
$280,000 | $465,000 |
$174,000 | $359,000 |
| Loan Originated |
66 | $19,298,000 |
$292,000 | $1,400,000 |
$138,000 | $1,107,000 |
| 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 |
4 | $775,000 |
$193,000 | $230,000 |
$69,000 | $92,000 |
| Debt-To-Income Ratio |
5 | $1,039,000 |
$207,000 | $320,000 |
$72,000 | $256,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 ANCHOR BANK HERITAGE by:
Metropolitan Area And
County
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