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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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CENTRAL NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CENTRAL NATIONAL BANK |
| Address | P.O. BOX 1029
JUNCTION CITY, KS 66441 |
| 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 | 2,253 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $271,299,000 |
| Average Mortgage Loan Amount Applied For | $116,321 |
| Highest Mortgage Loan Amount Applied For | $1,095,000 |
| Average Applicant Income | $66,333 |
| Highest Applicant Income | $1,435,000 |
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| Home Improvement |
115 | $5,656,000 |
$49,000 | $400,000 |
$64,000 | $524,000 |
| Home Purchase |
1,485 | $188,581,000 |
$126,000 | $1,095,000 |
$70,000 | $876,000 |
| Refinancing |
654 | $77,077,000 |
$117,000 | $1,020,000 |
$71,000 | $1,435,000 |
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| American Indian or Alaskan Native |
1 | $46,000 |
$46,000 | $46,000 |
$57,000 | $57,000 |
| Asian |
18 | $2,783,000 |
$154,000 | $400,000 |
$63,000 | $123,000 |
| Black or African American |
52 | $6,796,000 |
$130,000 | $388,000 |
$59,000 | $203,000 |
| Hispanic |
73 | $7,605,000 |
$104,000 | $324,000 |
$54,000 | $123,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $418,000 |
$209,000 | $250,000 |
$82,000 | $105,000 |
| Not applicable |
28 | $5,733,000 |
$204,000 | $1,020,000 |
$75,000 | $411,000 |
| Not Provided |
55 | $5,962,000 |
$108,000 | $662,000 |
$111,000 | $1,435,000 |
| White |
2,025 | $241,971,000 |
$119,000 | $1,095,000 |
$70,000 | $876,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,994 | $241,295,000 |
$121,000 | $1,095,000 |
$72,000 | $1,435,000 |
| FHA-insured (Federal Housing Administration) |
47 | $5,351,000 |
$113,000 | $202,000 |
$61,000 | $224,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
106 | $9,479,000 |
$89,000 | $214,000 |
$41,000 | $85,000 |
| VA-guaranteed (Veterans Administration) |
107 | $15,189,000 |
$141,000 | $316,000 |
$65,000 | $654,000 |
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| Application Approved But Not Accepted |
18 | $1,774,000 |
$98,000 | $215,000 |
$55,000 | $101,000 |
| Application Denied By Financial Institution |
144 | $10,940,000 |
$75,000 | $480,000 |
$52,000 | $654,000 |
| Application Withdrawn By Applicant |
24 | $2,822,000 |
$117,000 | $649,000 |
$61,000 | $350,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
972 | $121,242,000 |
$124,000 | $1,095,000 |
$76,000 | $1,435,000 |
| Loan Purchased By The Institution |
1,096 | $134,536,000 |
$122,000 | $550,000 |
$67,000 | $550,000 |
| 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 |
13 | $1,337,000 |
$102,000 | $480,000 |
$53,000 | $103,000 |
| Credit Application Incomplete |
1 | $74,000 |
$74,000 | $74,000 |
$49,000 | $49,000 |
| Credit History |
85 | $4,783,000 |
$56,000 | $202,000 |
$51,000 | $654,000 |
| Debt-To-Income Ratio |
34 | $3,447,000 |
$101,000 | $250,000 |
$52,000 | $180,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $628,000 |
$125,000 | $205,000 |
$69,000 | $133,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
5 | $594,000 |
$118,000 | $200,000 |
$59,000 | $73,000 |
| Unverifiable Information |
1 | $77,000 |
$77,000 | $77,000 |
$31,000 | $31,000 |
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Mortgage Loan App Totals for CENTRAL NATIONAL BANK by:
Metropolitan Area And
County
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