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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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CAPITOL NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITOL NATIONAL BANK |
| Address | 200 WASHINGTON SQUARE NORTH
LANSING, MI 48933 |
| 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 | 339 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $47,517,000 |
| Average Mortgage Loan Amount Applied For | $215,732 |
| Highest Mortgage Loan Amount Applied For | $1,937,000 |
| Average Applicant Income | $36,678 |
| Highest Applicant Income | $1,010,000 |
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| Home Improvement |
8 | $261,000 |
$32,000 | $100,000 |
$66,000 | $170,000 |
| Home Purchase |
189 | $24,040,000 |
$127,000 | $1,000,000 |
$11,000 | $278,000 |
| Refinancing |
142 | $23,216,000 |
$163,000 | $1,937,000 |
$20,000 | $1,010,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $357,000 |
$178,000 | $331,000 |
$77,000 | $80,000 |
| Hispanic |
1 | $182,000 |
$182,000 | $182,000 |
$218,000 | $218,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
293 | $42,916,000 |
$146,000 | $1,937,000 |
$0 | $0 |
| Not Provided |
2 | $625,000 |
$312,000 | $580,000 |
$54,000 | $77,000 |
| White |
41 | $3,437,000 |
$83,000 | $374,000 |
$124,000 | $1,010,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
247 | $36,159,000 |
$146,000 | $1,937,000 |
$22,000 | $1,010,000 |
| FHA-insured (Federal Housing Administration) |
53 | $6,309,000 |
$119,000 | $203,000 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
33 | $3,963,000 |
$120,000 | $168,000 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
6 | $1,086,000 |
$181,000 | $295,000 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
2 | $625,000 |
$312,000 | $580,000 |
$54,000 | $77,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
55 | $5,984,000 |
$108,000 | $460,000 |
$99,000 | $1,010,000 |
| Loan Purchased By The Institution |
282 | $40,908,000 |
$145,000 | $1,937,000 |
$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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
2 | $625,000 |
$312,000 | $580,000 |
$54,000 | $77,000 |
| 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 CAPITOL NATIONAL BANK by:
Metropolitan Area And
County
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