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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 SAINT PAUL, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
ANCHOR BANK SAINT PAUL, N.A. |
| Address | 66 EAST THOMPSON AVE.
WEST ST. PAUL, MN 55118 |
| 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 | 150 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $22,628,000 |
| Average Mortgage Loan Amount Applied For | $170,409 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $128,954 |
| Highest Applicant Income | $600,000 |
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| Home Improvement |
35 | $2,726,000 |
$77,000 | $580,000 |
$92,000 | $238,000 |
| Home Purchase |
34 | $6,034,000 |
$177,000 | $480,000 |
$76,000 | $215,000 |
| Refinancing |
83 | $14,405,000 |
$173,000 | $1,000,000 |
$116,000 | $600,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $530,000 |
$265,000 | $480,000 |
$39,000 | $58,000 |
| Black or African American |
3 | $476,000 |
$158,000 | $240,000 |
$84,000 | $126,000 |
| Hispanic |
1 | $190,000 |
$190,000 | $190,000 |
$29,000 | $29,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $410,000 |
$205,000 | $210,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
144 | $21,559,000 |
$149,000 | $1,000,000 |
$105,000 | $600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
152 | $23,165,000 |
$152,000 | $1,000,000 |
$102,000 | $600,000 |
| 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 |
24 | $2,385,000 |
$99,000 | $383,000 |
$65,000 | $200,000 |
| Application Withdrawn By Applicant |
51 | $8,961,000 |
$175,000 | $580,000 |
$114,000 | $600,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
77 | $11,819,000 |
$153,000 | $1,000,000 |
$104,000 | $399,000 |
| 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 |
3 | $272,000 |
$90,000 | $166,000 |
$80,000 | $114,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $918,000 |
$76,000 | $190,000 |
$72,000 | $200,000 |
| Debt-To-Income Ratio |
5 | $225,000 |
$45,000 | $100,000 |
$57,000 | $99,000 |
| Employment History |
3 | $916,000 |
$305,000 | $383,000 |
$35,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $54,000 |
$54,000 | $54,000 |
$81,000 | $81,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ANCHOR BANK SAINT PAUL, N.A. by:
Metropolitan Area And
County
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